[pjc50]

The UK has a bank regulator agency which isn't totally ineffective. Their main success was ending the sale of "payment protection insurance", which was overpriced and worthless in almost all cases.

There's still a level of BS fees, worse for business bank accounts, but the general consumer experience is fairly good at the moment.

[staunch]

A wise warden keeps his prison not so unpleasant as to cause a rebellion.