We want to be Banks

Have you seen the adverts for John Lewis home insurance and Land Rover financial services? These well known companies are moving into the 'money' business and others will be sure to follow; and why not? With such huge profits to be made in financial services why would any company sully their hands with such labour intensive industries as home furnishings and car manufacturing?
The whole industry of selling money needs to be overhauled to protect the public and put a brake on the exploitation of the vulnerable and unearned accumulation of wealth by a few.