the banks will still be there still making their money, there's been no real incentive for them to change their approach. the banks got away with it and will do so again. and why, given they don't actually suffer, wouldn't they. even RBS, owned by the government, is taking the piss, as ever. 2 years ago they were ordered to offload a huge proportion of their retail / Corporate customer base - but it never happened (and there was a determination within RBS that it would NOT happen). banks rule OK, regardless of the 'politics' - until a Govt grows a spine why should this not continue ? the banks have nothing to be scared of !