Consumers are given the illusion of choice but rarely have much choice . And the devil is always in the detail. The recent Royal Banking Commission revealed unethical conduct through our most trusted financial institutions. Some of the conduct included; charging fees to deceased customers , irresponsible lending , insurance products that failed to deliver or were considered to be unsuitable products for consumers to name a few. Without going into the specifics, no one objects that customers were treated poorly and deserve retribution. But in a system where winners take it all and more money equates to a higher success level whether that's through bonus, higher status, rewards, a raise, the question isn't 'Why did this happen'? It should really be; Why should we expect bankers or financial advisers to act any differently? The whole concept of capitalism was built on the exploitation of some for the ben...