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Strange that none of these organsiations admit what actually caused the IT downtime. Was it a problem with the card providers validation application or was it a cyber attack?

All very well and smart thing to do but iusers need to be trained on it's use as ChatGPT does give erroneous answers sometimes. So it requires human intelligence and knowledge to be able to be critical and assess whether results are accurate and correct. Blindly accepting ChatGPT's output can lead to serious blunders. Used wisely it's an awesome tool that boosts productivity.

When the Government moves to a 'programmable' CBDC (but hopefully citizens can stop it) then every citizen must have the right to a bank account. That could be a commercial bank, a state bank or a bank set up that is owned by citizens (like a cooperative bank).  But no-one should be excluded by law from having a bank account somewhere.