Those are all good examples of the sort of thing you mean, but it’s not a definition. I think if you want to be able to put into words where to draw the line, you’ll need to define this term more clearly. If that’s too difficult, then be satisfied with judging each situation as it comes, your instincts will help guide you. But go easy on yourself, you shouldn’t feel bad for doing what you need to do,
Sadly the Co-op bank nowadays operates pretty much like any other bank.