And from the glowing reviews it’s clear that
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W11 doesn’t actually need a new PC to run and the limitations are completely artificial
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For many people, a ten years old PC is fast enough (or even faster than a brand new Intel N100 PC that is officially W11 compatible). They won’t even notice that’s something from 2015, as long it has a shiny new case, enough RAM and SSD
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Amazon doesn’t care that the PC comes with pirated software, or that someone is scamming their customers, as long they get their 15% cut from marketplace sales (the cost of a genuine license of W11 pro and office exceeds the price of those ewaste specials)
I can’t speak to your specific examples since I don’t work there.
The reasons beyond CapEx considerations are things like security, compliance, warranty coverage expiration, standardization across the org, general employee satisfaction, hardware falling out of vendor support.
I doubt the banks computers are single purpose or purchased specifically for each job role. Sure a 15 or 30 year old computer might technically work but there’s no way it’ll meet regulatory security compliance rules.
The home user/hobbyist approach really doesn’t scale to corporate IT.