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 benefit of others. It has never been an e