Sorry the corporate initiative is to use AI for that
But it’s the fat part of the bell curve. There’s loads of even worse crap outside corporate code…and at the right end of the bell curve is deeply thought out and the result of long-term maintenance that tends towards as bulletproof as can be possible in this universe, parts of OSes, networking stacks, clocks, and the like.
It’s only because that stuff is so robust and sufficiently general that the rest of the world’s steaming pile of code works at all.
I don't know if I've worked on your bank's app (safe bet is I haven't), but I have worked on some banks' apps and... oh boy. Let's just say that if you've seen what I've seen, "stuff it into a mattress" starts looking like a sound financial policy.