This is not a convincing argument. Just because I think something should be improved, doesn‘t mean I should applaud any and all attempts to improve it. If my c

This is not a convincing argument. Just because I think something should be improved, doesn‘t mean I should applaud any and all attempts to improve it. If my city has a hideous, impractical train station and you just take a wrecking ball to it overnight, I‘m not going to thank you, because I won‘t be able to ride a train for months. Also consumer banking (in Europe) is great, I don‘t know what people are so mad about. If it‘s just "consumer banking sucks in the US" you have a much more straightforward improvement plan in "make it like Europe".