If they did not do a good job I would just call another company.
At first there will be several companies competing each other, but eventually they will be merged/bought by super captalists and then capital will take over the operation, finally end up in the bank's control
And, if the banks did not do a good job, you have no other choice
You mean like how there's only one pizza delivery company? One email company? One search engine company? One almost-anything-company?