Andy Haldane (Royal Society of Arts, writing in the FT) argues the UK should reform its regulative culture to join the US & focus on forgiveness rather than permission;

so writes a man who likely has never suffered a loss due to rapacious financial service operators, had to rent from an exploitative landlord, or found himself stolen from by scammers;

its always the comfortable middle-class who champion deregulation & a shift to higher risk; strangely never the victims!

#regulation #politics