Financial ‘Health Checks’

During the last financial crisis UK banks were ‘encouraged’ to accept government bailout money with the understanding that it be used to support customers.

Since then, every summer an upbeat representative calls me for a friendly ‘financial health check’ (their name for it).
This ‘health check’ usually involves offering me loans I don’t need and didn’t ask for, and ‘upgrading’ my credit card to one with more than double my current APR.

I find it incredibly disingenuous that banks are encouraging debt accumulation under the guise of promoting financial health and, by implication, responsibility.