We have government regulators in Australia. Surprise, surprise, fees aren't lengthy, can be explained, and are investigated by the "Consumer Watchdog"—literally what the Australian Competition and Consumer Commission is called—if shit's starting to look shady or unreasonable. We love capitalism, but we put a long socialism leash on it to reduce strain, deception, and fraud that makes victims of smaller businesses or individuals.

I love it. It makes a lot of shady ideas never leave the board room and if they do, chances are it ends up being really bad PR. All the while, playing the capitalism game well still nets high reward.