We need to get a balance. I spoke to the hon. Gentleman beforehand, and we must be incredibly careful not to let the state overreach in the process. Does he agree that a law-abiding citizen should be able to walk into their local bank and spend, withdraw or transfer their own hard-earned money without being treated like a criminal suspect? We must ensure that the fraud strategy does not become a nanny-state charter that forces ordinary people to prove to a bank clerk why they want to spend their own money.