The title of this post is not in error. It is not meant to be a question, but a statement.
If I'm watching a television channel with commercials, I usually mute them out, as they are too loud or repetitive. But the other night I caught this commercial and was compelled to watch, to be sure I was seeing what I thought I was seeing. Unfortunately, I was. This company is using a short, slightly stout man to embody what's wrong, what's "bad" with the product they're shilling, in this case, a credit report. So this company and its advertising agency thought it would be a good idea to storyboard some high school nastiness?