Now European banks typically make 100-200% of their profit on the wealthiest customers and break even or lose half of that profit on the rest, yet the overhead to serve unprofitable customers has barely budged since 2008.

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"No company has found a way to serve small accounts and scale because overhead for individual search experts is too high, " says Lou Kerner, an analyst at Wedbush Morgan.

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It is typically more expensive to serve the small market, so this is why extra overhead is allowed.

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