Banks are the convergent evolutionary endstate of business, much like crabs are observed to be somewhat of a hobby of Nature in terms of the end state of evolution of many crustacean species. Or the capacity to send email is the evolutionary end state of software. Or politics is the end state of most fotms of online rhetorical discourse.

There is one step, and it is bank (Past a particular threshold).

https://www.investopedia.com/terms/f/financialization.asp

https://en.m.wikipedia.org/wiki/Carcinisation

https://www.catb.org/jargon/html/Z/Zawinskis-Law.html

Those observations aside, I do agree with your rough rhetorical position.