Agree completely that it shouldn’t affect how you’re dealt with, but in reality it does. Banks and other big businesses have been doing it wrong for years.
The point I’m trying to make is, if you act like you’re an individual and speak in your terms, it’s easier to treat you like one. If you act like a sheep and parrot someone else’s words, it’s easier to treat you like a sheep.
Banks and big businesses need to try harder and do things better (this goes way beyond treating people as an individual). But give them a little bit of help and you might be surprised about how they react.