Passage Summary: Banks give all the cool freebies to new people while ignoring their loyal regulars, which is a pretty questionable way to run a business.

Conclusion: Providing free services exclusively to new customers is a poor business strategy for banks.

Reasoning: This practice ignores the long-term customers who actually provide the majority of the bank's business.

Analysis: The analyst assumes that excluding loyal customers is inherently 'bad business,' but we need to strengthen the link between this exclusion and a negative business outcome. Perhaps these long-term customers feel slighted and take their business elsewhere when they see the 'newbies' getting all the perks. Look for an answer choice that demonstrates a tangible downside to making your most profitable clients feel like second-class citizens.