This in itself is a problem for society though. The UK government is generally pushing more and more requirements and liability on banks. At the same time we ar

This in itself is a problem for society though. The UK government is generally pushing more and more requirements and liability on banks. At the same time we are moving more and more in the direction of requiring a bank account to be able to participate in society (or as a business). This has the effect of making it impossible for outliers to operate, even if they are doing so entirely within the law. I don't think this is acceptable. UK banks over a certain size should be required to provide service (a universal service obligation), or otherwise the UK government should arrange a framework such that outliers can always receive basic transactional banking services.