Which of the following is a characteristic of a 'core product' in the banking sector?

ABC Bank designs a 'Senior Citizen Special Deposit Scheme' at 8.5% interest rate per annum. During the screening phase, the committee observes that since the bank's Yield on Advances is 9%, it might cause a negative interest Spread, alongside a potential impact on the Liquidity Coverage Ratio (LCR). However, to meet year-end operational targets, the Product Manager bypasses the Business Analysis phase and pushes the concept straight into Product Development. What is the most significant structural flaw in this approach?