There’s been talk of it for YEARS, but still nothing has come of it. To me it seems like a coverup, but I’m a paranoid conspiratorialist. Its not exactly a leap for someone else to conclude that it hasn’t come out because it doesn’t exist. So how is not believing in something defending it?
Nobody said anything about OP doing it wrong, cool your jets. The bank changed their policy. At that point your options are either take the advice of the parent comment, complain to the bank (which will likely get you nowhere), or find a new bank. Don’t get bitchy at people offering advice.