Right. But my point is, if we're going to try to fix something, "let's give consumers earlier notification that their finances are being ruined" isn't a great g

Right. But my point is, if we're going to try to fix something, "let's give consumers earlier notification that their finances are being ruined" isn't a great goal without giving them the power to stop it. "Don't let banks ruin people's finances via incompetence" is a good goal.