No I mean that if my bank sends me an email with a scammy subject, it won't get caught in the spam filter because everything else is legit, like the From field, their verified domain, email signatures, and the body content. They use the same domain and presumably the same email address to send such emails and other important emails too.

But if a scammer sends me a fake email, it'll probably get caught in the spam filter of my email provider (hopefully).