It provides a near perfect current / spending account for GBP use. Sure I wish there were some nice value adds which other services provide but I appreciate that a lot of that is niche stuff or just a desire for more perks (cashback, airmiles, benefits) which is purely self interest.
I just dont want to have any involvement than is more than legally necessary… I dont see this as any role for a bank. Provide the platform and stay out of peoples personal lives. If people make poor choices, its thier choice to do so.
I want a bank to be financial services, not social services.