The bank is something else than men. It happens that every man in a bank hates what the bank does, and yet the bank does it. The bank is something more than men, I tell you. It’s the monster. Men made it, but they can’t control it.
– John Steinbeck
The Grapes of Wrath, Chapter 5. No longer a human being, the bank has become a Frankenstein monster that humans created but now cannot control. The bank representatives conveniently evade personal responsibility for the inhuman actions of their employer.