The way is also open to them to take advantage of other financial products. For example, savings, loans or even more complex products like a mortgage or pension. That is why everyone should be able to open a payment account, preferably at a bank. Nearly all adults in a rich country like the Netherlands have a bank account.
And it has come through that pretty well. Are there some things that can be done to make it function better and be more resilient? Yes, and some of them have already been put in train over the past few years, so that the system now is more resilient than it was in 2007.