>"It's not realistic to put the burden of monitoring business practices on the individual person. If you ever have dealt with buying a house or medical stuff yo

>"It's not realistic to put the burden of monitoring business practices on the individual person. If you ever have dealt with buying a house or medical stuff you should know that understanding the transactions completely would probably be a full time job. That's why we have regulations and laws so people can spend their time more productively." I think the point the OP is making is that when the regulatory regime fails to protect customers by taking action against a company with such frequent and glaring violation there is something that can be done as a last resort - voting with your feet. Clearly regulators haven't instilled any real fear into this toxic dump of a bank.