Who cares, the customers aren't exposed to all that and that's why they don't know it. It's like saying that McDonald's doesn't have any hamburgers, it's all buns and meat and lettuce. Yeah, that's how it works.
Last year a few banks went tits up, all the deposits were paid.
In my opinion a more apt analogy would be McDonalds selling low quality food that includes ingredients known to very likely ve bad for your health without ever making that clear. Sure a customer could technically dig into research and health studies but that's not really the point here.
Is it consent if you aren't made aware or given reasonable access to information that the average person could be expected to understand?
Last year a few banks went tits up, all the deposits were paid.