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@dicki
banks have been misspelling all manner of things over the last 10 years
derivatives for small companies who didn't understand what they were getting into
redundancy insurance on mortgages that weren't worth the paper they were written on, so many get out clauses
the big banks must have been fined $50bn for various misselling convictions since 2008
you aren't cynical / paranoid
they are out to get you