The hon. Gentleman is absolutely correct, and the issue of trust is an important one. There are lots of reasons why people would choose to have a Post Office card account rather than a bank account, and one is that the post office is often an important community resource. It is a source of advice and information and a place where people meet and socialise, particularly in rural areas. Sub-postmasters play a very important role in many communities. They usually know their customers and they are trusted, as the hon. Gentleman said. I recently spoke to a pensioner in my constituency who relies completely on the postmaster in the post office where she collects her pension. She cannot remember her PIN. He knows it, and he tells her what it is every week—it is the only way that she can access her pension. Clearly, that gives rise to security issues, but it shows just how much postmasters are trusted by members of the community.
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