Before concluding, let me note that, despite the constraints existing at the time regarding Banco de Portugal’s powers to withdraw the suitability status (arising both from the law and jurisprudence), Banco de Portugal at each moment was strongly committed to making rigorous and careful use of the means permitted by law.
Obviously it is not costless to deliver these things, and so a coordinated decision process would need to have some way of taking into account both the costs and benefits, including benefits to end-users, in order to determine whether an investment is worth making.