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Back in the early 18th century, the banks didn't bother to hide their penchant for wasting your money. It was all for show. Give us your hard-earned cash, they'd plead, kneading their lily-white hands, and we'll squander it on some graceful shells and perhaps some fashionable twirly bits. Just whatever is in vogue with that wastrel, the Prince Regent. A shield with the city coat-of-arms would look nice; not cheap though, the very devil getting a group of Worcester Pearmains to look the business. Then knock it all up in a tasty bit of sandstone - none of your plebeian bricks for us. Voila! We get to work in a flash building and you get a lot less in dividend.
It was ever thus.