Poor germination results really are not the result of Seed Bank neglect. Unless they are “House brand”, the breeder did make them and packaged them.
That's a good point.
Although if a seedbank has seeds they know they've had in inventory a long time, and / or were shipped to them already on the edge agewise, they might consider lower germination is a possibility. Of course, a "breeder" could dump old stuff or inferior seeds on a seed bank and not be forthcoming about the age and quality. Also, some seed banks probably have a better inventory storage and control system than others.
Hard to assign blame on poor germination if we don't know the full story.
I've had really good experiences with North Atlantic seeds, and think they are one of the best seedbanks out there.