I feel like "the lawyers told us to do something stupid for no legitimate reason" is just one part of a bureaucracy trying to blame another part for the fact that the bureaucracy itself is doing something stupid for no legitimate reason.
Even if the something is no more than engaging less fatuous attorneys.
All it takes for this to happen is the lawyers not knowing.
Whereas if there isn't, the obvious alternative is that the other banks have lawyers who don't erroneously advise their client that they're required to do something they're not.
Yes, because that particular set of lawyers haven’t said it has to be blocked. Doesn’t mean my statement that lawyers have final say is “objectively not true”.