Sorry but its reprehensible.
These aren’t mom and pop websites selling their home made goods on ETSY... these are Billion dollar corporations responsible for millions of peoples finances or medical care.
It is inexcusable and reprehensible, no excuse for it other than laziness and priorities that are not in the best interest of their members or customers.
Every single time they wind up getting their arses properly handed to them, because decide to make a short sighted (no pun intended) and stupid decision to skirt their moral and ethical obligations, let alone the law.
Which one of those corporations is responsible for your finances and/or health care?
Furthermore, what law requires you to deal with a particular financial advisor or health care provider.
You are acting like an anti-capitalist, big-government, liberal.