DD is a design of the devil. SO used to work well and then they said, "I wonder if we get fool them into letting us get to all their savings and grab anything we want anytime, just by promising we won't without warning them ?". Can imagine the conversation. "No, no one is that daft, after all they don't get copies of their house and car keys for all the street on the promise than no one will break in would they". "Oh you underestimate what you can get them to do, especially if we can arrange it so they have no reasonable option". And lo it came to pass that most fell for it and effectively allowed the banks and other commercial concerns to pressurise those who tried to have more sense. And that is the society I have to cope with.