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Elayne Boosler seems to be making a joke about how banks have changed their customer incentives and treatment of savings accounts. In the past, banks would offer small promotional gifts like toasters to attract new customers opening checking/savings accounts.
But Boosler implies that nowadays, if a customer’s savings are lost or inaccessible due to bank issues, the bank’s apology is as trivial as a toaster rather than returning the full amount as expected.
Her remarks portray banks as less concerned with customer service and more likely to inconvenience customers rather than solve problems competently. Overall, she seems to be humorously criticizing a shift where banks prioritize cost-cutting over good customer experiences.