This last response is very effective on live broadcasts because it quickly shifts the audience sympathy from the questioner to you, the victim. It is a great way to stay in control. Of course, there is nothing really unique or unheard of about conflict. That conflict may be all the reporter can discover that is new about a topic, especially if the story has been pretty fully reported upon in the past. But when an official of the bank accuses bank management of negligence, the entire story can be advanced one more day.
Conflict is easy to understand, it's right versus wrong, black and white.
Perfect for the quick deadlines of radio and television. Media critics accuse journalists of looking for conflict behind every situation.