This isn't any trickery, this is a file format. One that actually avoid the uncontrollable computational photography done by default and actually changes the nature of the picture without the input of the user. This is helping conserve what we think of pictures as a digital capture of light. Rather than what it's becoming, which is the product of hallucinated details by a neural network.
In what you describe the difference would be that HSBC doesn't get fined and neither HSBC or Revolut does any check. How does that help?