More important, I feel, that we need to accept that compensation has to be necessarily symmetrical and banks have to put in place procedures that  4  BIS Review 66/2006  ensure it. Instances have been reported where the interest rate or penalty charged by the banks is higher than what banks pay for any delay or default on their part.
For example, close links exist between the banking and insurance sectors, not least because insurers invest in bank bonds on a significant scale. Regulation of one sector therefore always has implications for the other. For that reason, any interactions between the solvency regime for insurers and bank regulation have to be borne in mind if we are pursuing a coherent regulatory agenda.