I was just a few of years out of school,I think it was 2006. Walked into a local bank branch to get some stuff sorted out.The women tried to sell me some private pension scheme,which was popular at the time.I asked her what would happen if the bank would fail,to which she responded with uncontrollable laughter and finally managed to say: banks don't fail. Well,I thought, I'm sure as hell I won't be buying products from this bank..We all know what happened 2 years later.
While this person obviously didn't empathize with your concerns, it should be mentioned that bank tellers are often under pressure from higher ups to sell products to walk-in customers, regardless of whether they need them or not. And the easiest way to sell is to basically tell the customers that their concerns aren't valid.
The most egregious example of this is the Wells Fargo scandal, where new accounts were created for customers without their knowledge [1]. Similar complaints can be found with pretty much all major banks. It's a natural consequence of a culture where employees are ordered to upsell customers on lines of credit, new credit cards, and other financial products.
