不是客户们无法区分金融服务的产品或提供者。
It's not that consumers don't distinguish between any financial service products or providers.
许多人觉得银行收费太高，业务太复杂，因此帮助消费者了解金融服务需要一些时间。
Many think banking too expensive and complicated, and helping new customers become financially literate takes time.
更为盛者，金融服务厅与其下属机构“证券交易监督委员会”一样设法使自身人员不足且极具对抗性。
What is more, the FSA, as well as the Securities and Exchange Surveillance Commission which sits under it, manages to be both understaffed and overly adversarial.
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