Yes, that's a serious problem. The changes I suggested are not sufficient to fix the problems in the banking system, they're just features I would like to see (

Yes, that's a serious problem. The changes I suggested are not sufficient to fix the problems in the banking system, they're just features I would like to see (and apparently are being worked on, according to other responses). Thinking further, a determined, well-designed, consumer-oriented bank could steal the "responsible spender" market share from the existing banking system and increase the fragility of the contemporary credit system. No clue what happens after that.