Most banks have dedicated startup bank account tier where you get many perks (AWS/GCloud/azure credits, transactions fees waived for the first few years, accounting software discounts, virtual credit cards) so it's a good idea to open that account instead of a standard business account plus he had $35m just sitting there in a checking account if he has opened an account with a bank that is more experienced in dealing with this type of businesses their RM would have suggested to keep certain amount in the business account and create another saving account where most of the money would have earned interest or invested in some fund. So I think maybe he is implying that due to these mistakes he missed out on personalized guidance.