I don't think its feasible to expect a global bank with literally hundreds of millions, if not over a billion, customers to be dispatching someone to do a household visit.
I really don’t understand all these “business will become too onerous and they’ll lose money” argument. Society does not owe them success. If a business plan does not work, then let the company die. (It won’t be the case here, British retail customers are a blip on HSBC’s balance sheets).