I honestly think that's a point of pride for many financial services.

If you don't want retail consumers, you don't wow retail consumers. You don't provide arbitrary confidence boosters to poor people who could never be in your network and leverage real wealth even if they tried for 100 years. You don't provide arbitrary confidence boosters that change every 2-3 years because anybody can learn the latest layout design pattern.

I think its far beyond having a World Wide Web strategy in 1995 and never revisiting it.

Its "Hm, never heard of you" good, its working.