[PeterisP]

The core business of banks is trading money-right-now for future-money and vice versa.

So if you have the type of financial problems where you need money-right-now but have some good future-money to offer in exchange, they'll be glad to help you make a deal (and vice versa for investments), and you should absolutely talk with your bank about such problems.

However, if you have the type of financial problems where both money-right-now and future-money are lacking, then yes, no bank is going to be helpful there.