For anyone (cough, elderly parents) who aren't adept at discovering hidden features, these things can be utterly mind-boggling and frustrating. Even I was stumped for a good minute the first time trying to print/save/download a PDF when that "feature" came out.
I don't really need the small sliver of menu space in PDF view to be reclaimed -- and for what, a "clean" look? Those are real and important functions I desire. What I actually need is for news and blog sites to stop covering 1/4 of their vertical window space with hovering frames, ads, and banners asking me to subscribe. Which, by the way, subsequently don't properly calculate into that now hidden scroll bar's movement and cause you to overshoot the displayable area when paging down. End rant.
There are valid reasons for both sides of the equation, it is just difficult to find the balance to satisfied the myriad of different perspectives.
My question to my boss was rather: "but _where_ do these banks get this huge amount of money from? I guess it's not from the $5 account fees." He answered that although he is in the banking business for decades, he still doesn't know.
These 100s of Millions of losses are not necessarily threatening core business. I find it amusing.