When you use your insurance, your rates tend to go up. When costs go up, the bank passes those on to the customer. Now you pay more for banking, or receive less interest, or get worse service, or however they cover that cost. Perhaps it doesn't effect you (an individual) directly, but they increase the cost for commercial customers and those companies pass the cost on to you.

Now, if you don't care about that kind of creeping cost increase, I have a cloud architecture to sell you.