Want to watch a 
banker recoil in horror? Suggest that the Bank of Canada dust off its old retail persona, opening an account for every Canadian (ready for their tax refunds, of course), handling basic bill payment, debit cards and inter-account transfers at zero cost, paying the 10y rate plus inflation as interest. Heck, maybe doing the “easy” stuff like index funds and good quality mortgages.
Suggest to the banker that, since they are clearly so smart, they can handle the difficult stuff…
