I don't disagree with your observation. I just wanted to state that as a bit of an irony.
I take it you're no great fans of regulatory intervention, particularly in Australia. So the big problem for those of us who might wish to do some regulation is that it's either going to be a very comprehensive regulatory system or nothing. I take it you folks would go with nothing. I say this because if we were to regulate fees, then you would move the interest rate; and if we regulated the interest rate, then you would move the time to pay. And if you do it to that, then you're going to do it to something else; you'll up the fees on the cards, or things of that nature.
Is that a fair observation?