I don't think that "responsible" is an adjective that people generally apply to the companies you've used as an example. "Powerful" perhaps. "Reliable" even.

I don't think that "responsible" is an adjective that people generally apply to the companies you've used as an example. "Powerful" perhaps. "Reliable" even. But disdain for big banks and credit card companies is very widespread, and people do want a system that is more... well, responsible.