I don't. It's clear that if there's no legislative push to make them comply with common sense they'll just keep using the systems they set up in the 60s forever

I don't. It's clear that if there's no legislative push to make them comply with common sense they'll just keep using the systems they set up in the 60s forever, regardless of the incompatibilities or security risks it poses. Upgrading to a new system costs money, aka the only thing they care about. So having some heavy fines ready to incentivize complying as the cheaper option is required. Customer choice won't make any a difference on this sort of issue since it only affects rare cases. Especially when this sort of news is published with them being called "bank X" and no way for anyone to know which scumbag bank this is so it can't be boycotted.