Yet there's another aspect of financial inclusion I'd like to see us pay more attention to in this country: resilience. We strive for financially resilient consumers in society. Consumers should, in order to be resilient, make prudent and sound decisions. That's one aspect on which we still have much work to do in the Netherlands. It is apparent in several areas.
Some lenders' rate sheets show that mortgage brokers can earn bigger YSPs, which are essentially commissions, by increasing consumers' interest rates, and the biggest increases are allowed only if a loan contains a prepayment penalty.