If I gave my customers a gift it would be an illegal bribe and I could go to jail. My customers are government.
When I was a teenager I worked at a hospital. One of my coworkers was fired for accepting a $1 tip from a patient, we were not allowed to accept any money or gifts from patients or families.
The employee of a bank that approves your loan is not your customer, you are his/hers. Go get a credit card or a loan and try tipping the bank's employee. That's a certain way to get them fired.
If I gave my customers a gift it would be an illegal bribe and I could go to jail. My customers are government.
When I was a teenager I worked at a hospital. One of my coworkers was fired for accepting a $1 tip from a patient, we were not allowed to accept any money or gifts from patients or families.