Show me the person who has actually read the “important information” you must understand before entering the website of an institution regulated by the Financial Services Authority, and I will show you a man who has difficulties with girls.
The article's worth reading for those who can get behind the paywall because he concludes:
When people see many examples of minor exploitation of consumers in their daily lives, they will conclude that extensive exploitation is characteristic of business as a whole. And they may be right. If caveat emptor is seen as a dominant business principle by both producers and consumers then the legitimacy of capitalism and market organisation will not long survive.