With the price some banks charge for them it's should be mandatory.
This could open up a whole new argument / discussion.... I think it all depends on your current stand point and overview.
I (retired now) was a businessman, with 3 successful businesses, and understood the requirement for re-investment into a business to develop and offer 1st class products to the market.
I understand that, as I built all 3 companies from the ground up, and know how much I re-invested to make them successful.
Often people would say, "I can make it (the product) cheaper".... my response was...
Do you fund Research & Development ?
Do you have a £100,000.00 Lab to equip & fund ?
Do you have staff overheads ?
The cost of Premises, Rates, etc ?
Insurance ?
Stock investment ?
Marketing ?
Extensive shipping costs ?
Horrendous Taxation, Corporation Tax, etc ?
etc, etc,....
I could add 100 other things to the list.
Look how advanced Auto's are compared to say 5 years ago. Without "Professional Companies" making that re-investment, you wouldn't have all the first class genetics etc that are on offer now.
My point is, It all takes Money to get there, and Continue into the future... A Business is a Business (it needs to make money to survive). It is a gamble. Respect their investment.
Just my thought on that subject.