As you say more and more seed banks do not do them themselves, many buy seeds in bulk and put their name even being the same crossing, it can be that 3 or 4 seed banks sell the same cross with different name ., example is the Critical +, use the Clone Critical Bilbo as a mother and revert the Critical Swiss clone because it gives a lot of pollen that does not give the clone Critical Bilbo, then in the market you find Critical Bilbo, Chanel +, Critical + and all are the same with very nice bases and a lot of marketing
Here in Spain is the paradise of bulk, every time there are more people who work for banks but as they pay less per seed, they are now paying between 0.20 to 0.35 € as the producers sell to the highest bidder, think about it. that in a closet of 1x1x2 can be drawn between 5000 and 10000 well-formed and mature seeds.
There are banks that first pay well the first order, then in the second order once done and the seeds ready you put as a condition that you give them a copy of the parents if you want to buy and once they have the parentales you lower the price shamelessly , if you do not want to sell them when having the parents, they entrust the work to others.
I have had enough offers to work for seed banks but I have never entered the game, for me it is a medicinal and sacred plant that I would not have to market with her, that's why all my crosses are the gift.