This sounds like an obvious thing, but bear with me, because I have a motivating anecdote: If your firm has two products A and B, and B is clearly better for the customer, and the customer is trying to purchase A, suggest B and tell them why it is better.
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And right now you're asking "Hey Patrick how can a product both be lower cost to you *and* more lucrative to the bank" and the answer is "This is common in finance but a detailed explanation makes A, B, and the bank easily guessable and tweeting those has non-zero social cost."
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