Do you accept that the UK government - whatever party is in charge - will never 'get tough' on banks?

"Accept" is too strong a word. I recognise that you are right on this one. A Labour government that was too soft on bankers has been followed by a tory one (let's drop this "coalition" nonsense and call it what it is) which regards bankers as gods on earth. We're being held to ransom time and again and no mainstream party has the to anything about it. Being a banker would be a good career move if you can stand the stench of your own corrupt worthlessness