Yeah I deliberately didn’t want to write that much about the retail banking stuff because I don’t know why it is the way it is (though there are a few reasons t

Yeah I deliberately didn’t want to write that much about the retail banking stuff because I don’t know why it is the way it is (though there are a few reasons to guess). People would often give regulations/compliance as an excuse for eg not being able to set up an account online, but then the pando happened and somehow this stopped being such a problem. I feel like either those people were just not knowledgeable about the reasons, or they were rationalising business reasons for the bank to not do those things.