@malwarejake (Not so) funny story: banks around here test critical systems on prod because testing on test would risk being non-compliant if the regulator doesn't find the test system "similar enough" (whatever that means) to prod. Regulation also mandates that users on prod must be "real" because anti-laundering and whatever. In the end you either test with a real account on prod or you don't work for that client anymore.
As a company owner, I took one for the team and set up a personal bank account for testing. Surely enough, it resulted in me getting fucked *at another bank* (costing me considerable money).