So the bankers have literally just been designing and developing ever more inventive ways of milking us all.
haha yes, exactly this. That is their main motive. I cannot see them attempting to innovate for the people or really do anything for the people.
Their technological wizards were responsible for the fiasco's when nobody could make or receive payments when they upgraded their systems. During those fiasco's no customers bosses could pay them their wages, so they couldn't pay their direct debits, and loan payments. The banks then tried charging their customers for not honoring those direct debits, and loan payments although their incompetence had made that impossible.
Those technological wizards will be hard at work designing the banks personal blockchain, which will be as big a fiasco.