This article says that, A deeper look inside Wells Fargo's shameful vault — People my kids' age, who track their money by smartphone, wonder why garish competing bank branches still stud every shopping district in Philadelphia and the suburbs. Now we know: Behind the lollipops and the barred cages where the tellers sit, perverse incentives at many banks turn branches into, not just stores, but sweatshops, pushing products customers don't need and may not have ordered, thanks to admissions by Wells Fargo Bank, the dominant lender around Philadelphia, and veteran bankers. Facing outrage, Wells Fargo has belatedly stalled tens of millions of dollars in stock awards to two top executives after admitting it fired 5,300 low-paid workers over five years for opening phony accounts.