Financial Services Bill

I am even more pleased that the hon. Gentleman has given way if he was about to conclude. I agree totally with him about the importance of information, and that there is no such thing as a free bank account, because banks redistribute resources and charges to present to customers accounts that are free of any charges in a technical sense. However, does he agree that a free bank account in the sense that we are now using is most important to people on the lowest income, who have the least money? They are increasingly forced to use the banking system to undertake many activities that they would previously have covered with cash.