You also need to look at the effects on competition and whether there actually is competition in many areas of the country for banking service providers that are providing services in the ways that Canadians want to bank. When you look at those, I think you will find monopolies and duopolies across the country for these essential services. You'll find that the banks have saved hundreds of billions by withdrawing full-service banking.
The government should then require the banks to give something back finally, in setting up machines, in setting up full-service branches for access to basic banking services, at least, in many areas of the country where they've been shut down. There will be no effects at all in terms of access or what is out there already, because you'll simply be asking the banks to give back based on the savings they have realized and the costs they've imposed on the country. That's what they did in the U.S. twenty years ago, but we still don't have it here.