I would say yes to all of the above of your concerns. A little bit of everything there.
They have a rigid formula tat you sign up to, and I would say he was in the right to lay out things the way he did.
A friendlier fella might have found ways to make it work anyhow, and helped you out. But not obligated to do so.
If you appeared to be at the end of the road and not going to come back for more business with the bank, this was the end move, then to many bank folk I you wouldn't be worth going the extra mile for, as you are out the door and gone anyhow, why work extra to help you?
And if there were head knocking between ya then that almost always enters into it, the big shots in a community learn to run over and head knock with the unimportant people, while smooching and back stroking the even bigger power people in town..... It sounds like you took on things in the other order and well there you are, as you say water under the bridge.
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