Kinda yes, kinda no. While the user account locking and several other things only happened due to regulators there are other similar issues which the industry f

Kinda yes, kinda no. While the user account locking and several other things only happened due to regulators there are other similar issues which the industry fixed itself (e.g. intentionally delaying withdrawals which regulators did not give a fuck about but after one company offered it everyone had to) and reducing the number of sensitive documents necessary to collect (the regulators do not give a fuck about user privacy).