Is it by accident though? Aren't US regulators intentionally (but quietly) pressuring financial institutions to do the enforcement of policies that they know wouldn't stand up to public scrutiny?
and during all this banking in the US suffers from all the usual problems, it's 50+ regulatory regimes all in one, banking systems are laughably ambivalent old and legacy plus too new and full of bugs, and so on.
it's not surprising that things are not ideal. there's no need for some extreme conspiracy. big banks are user-hostile. just as the police, as healthcare, and so on.
It appears to me like a sophisticated and coordinated operation, not the accidental result of bureaucracy.
https://www.justice.gov/opa/speech/financial-fraud-enforceme...
Nothing crazy about that. It's very harmful to women, and doesn't do the consumers of it much good either.
this has the same energy as "video games are making us killers", "tabletop RPGs directly lead to Satan (no chance of ever getting back)", "reefer madness, not even once", and so on.
are there negative consequences with regards to women? sure, as with many things.
is it "harmful to women"? oh, yes, maybe we need to put blinders on women and assign a guardian to them to help them avoid this harm!