I love reactions from people who don't have a clue about real life.
I did state that I worked for a Bank in my humble career.
Let me tell you something..The banks didn't pay you any extra for selling these products in those days , they just told you to do it  , if you didn't there would be repercussions, usually meaning a transfer to Tuktoyaktuk or some other bustling metropolis
Up until a few years ago there was no such thing as commission sales in the banking business, The basic products that we sold then were either savings accounts, mortgages or personal loans. The ancillary products such a mortgage insurance or  life insurance for loans  were a mystery to me only because  I didn't know who was benefiting from the premiums.The other product I felt uneasy about selling was Canada Savings bonds ( since deceased 'cos there wasn't enough money to be made)
If you want live in world where  it' s so easy to just say no I suggest you sign up for the Mars project and set up a new society.