Good question though obviously asked assuming the opportunity to judge and belittle judging by the "...you can't just complain online in your little bubble."
I actually did and ended up with a purely political answer blaming the difficulty of regulation and consumer-beware-ism. Even though in this particular case there really is no opportunity to beware - its either go with the banks that are all part of this or live on a commune singing about flowers -- and it is way too cold here in the winter for that!
What about the folks who are tired of taking action and being ignored or written off by their representatives? What about the folks who called their representative's office only to be greeted by a full voicemail box? What about the concerned citizens with no formal degree who have little chance of being taken seriously in this time- and attention-starved age?
I don't know which country you live in, but at least in Canada, I've generally found my political representation responsive to thoughtful communique. If you live in the US, see my response to this person:
I actually did and ended up with a purely political answer blaming the difficulty of regulation and consumer-beware-ism. Even though in this particular case there really is no opportunity to beware - its either go with the banks that are all part of this or live on a commune singing about flowers -- and it is way too cold here in the winter for that!