Well, but are you not a thinking human being? You do have a brain, you can think and make decisions. You are allowed to decline. I'm a TD customer, and yes when I'm at my branch they often ask if I'm interested in a product and every time I say 'no'. What's the big deal? 
I agree that sometimes seniors may get taken. But it is their kids' responsibility to talk to them and educate them on how the world has changed. They often are not aware, and not just banking. Nigerian royalty included.