Thanks to the last financial crisis, banks and their regulators might see this one through. But the numbers are worrying

The holders of nearly 2 million mortgage accounts have sought payment holidays. The more numbers that come in, the more important the reforms enacted just over a decade ago look, writes James Moore

Regulators at the Bank of England have proved willing to intervene to curb bankers' excesses (TIM IRELAND / PA)

Do we have cause to be thankful to the bankers that caused the financial crisis?

No, I haven’t suddenly found myself a job with UK Finance or one of its member firms and nor am I writing this with a view to getting one. Perish the thought.  

Some data Experian publishes today just raised the question “what if” in my mind.