I am of the opinion that the very concept of commissioned sales is cancerous, because of the obvious perverse incentives it sets up. Whenever I am forced to buy form commissioned salespeople (car, furniture/mattress, insurance, interacting with an 'advisor' at my bank), I can never take that salesperson's advice at face value. I always wonder if I'm the mark in some institutionalized or just regular straight-up con. I will (and sometimes do) pay extra to avoid the feeling of needing a shower after such 'interactions'.