[dredmorbius]

Ideally, competition would be good.

Though competition without consequences clearly isn't.

I'd like to see a few more bureaux. Or the role nationalised. Government is at least in theory answerable to the citizens. Though government as financial vetter introduces numerous other issues.

The question of why people require credit for day-to-day financial activities, many carrying balances, is another part of this question. Sufficient pay, collective bargaining, workplace and tenant / homeowner protections, and wealth and land taxes are a few policy changes outside the data security arena which would help markedly.