WOW Rob, nice bit of  advice.....overdraft protection, HELOC's and credit cards...why do you think we have a personal debt problem in this country?? Because there is only about one in a thousand Canadians that are truly financially responsible. Most are working on a zero balance on the bank account so give them overdraft protection and then they are working in a negative balance paying 21% interest to the poor bank, HELOC's great lets suck the equity out of our house so they will never pay it off in there life time and yes credit cards ....great lets promote them "debt for life"..... I find this incredible that someone who so harsh and relentless on the financial services "sales people" that you are giving the tellers at the bank a free pass on up selling and cross selling. Absolutely they should have a fiduciary responsibility and should be held accountable for there actions and tactics or what just because they are the big banks...they know best?