If banks are not making a lot of effort to court even the middle-class consumer, you can be sure the issue of serving the unbanked will not be addressed for a long time.
The effort will collapse if cultural heritage is seen either as a pesky impediment to making money, or as something to be exploited for short-term gain.
It's unsurprising that a lot of effort went into this, as it was an easy, if not optimistic, way for making up for the actual machine's lack of graphical prowess.
But Mr Swire said it would have been a good idea if Mr Howard had talked to the families before making his comments and that as far he knew he had made no effort to do so.