That's what needs to be done in Ireland. They should be slapped with a health warning like cigarettes.
They do, except people never read them.
And let's not forget on mortgages, people complained it was too hard to get mortgages and banks need to relax their standards so that first time buyers could pay over the odds for unaffordable property. We wanted competition as we were told we had a cartel.
UK banks came here, competed with easier credit, the Irish banks followed suit.
We got exactly what we asked for.