Good question though obviously asked assuming the opportunity to judge and belittle judging by the "...you can't just complain online in your little bubble."

I actually did and ended up with a purely political answer blaming the difficulty of regulation and consumer-beware-ism. Even though in this particular case there really is no opportunity to beware - its either go with the banks that are all part of this or live on a commune singing about flowers -- and it is way too cold here in the winter for that!