Take the bank deposit account as an example. If you set the secondary code of "4-2", then we can increase the subject of bank deposit to1002; Increase the secondary detail account to 10020 1. Here, the total length of 10020 1 is 6 bits. Where 1002 is a first-class subject with 4 digits, and 0 1 is a second-class code.
So there won't be such a profitable situation as you said.