> This is an inferior model in every single definition of the word.
yeah, try to convince a highstreet bank to return you your money when it thinks otherwise [1] [2] [3]
[1] https://www.reddit.com/r/UKPersonalFinance/comments/aqxz5n/h...
[2] https://www.reddit.com/r/UKPersonalFinance/comments/l4tps5/h...
[3] https://www.reddit.com/r/UKPersonalFinance/comments/cbpxit/h...