Earlier quoted context omitted.
I work for a large institution. The thought process doesn't work that way -- the suggestion of introducing chaos would be a no-go not because of business risk, but the risk of disrupting the layers of bullshit that people build between them and whatever the actual business is. Netflix's cost of failure is very high -- customers get real-time discovery of your failures, and the service costs less than $10/mo, so they…
When people are only paying $10/month, failures are cheap. I imagine low-cost customers tend to be more forgiving. I could be wrong on this.
For many people, changing bank accounts is very difficult for many people, which is one of the reasons that many banks are able to treat customers with something close to contempt.