I agree with some of what the hon. Gentleman said, and I will come on to talk about why banks should have more face-to-face contact with people instead of sending them online.

It is even simple, little things. One constituent was scammed into paying a clean air zone charge, which does not exist, because it popped up on a sponsored page on Google. Another agreed to send Amazon vouchers to their elderly mother, but they actually sent them to a scammer.

In April, in response to this problem, the Government came forward with the 2026 to 2029 fraud strategy. They have committed £250 million to the plan over the next three years. There is a lot to welcome in the strategy, particularly the establishment of the fraud victims charter and the new Report Fraud scheme to replace Action Fraud, which was totally useless.