So what you're saying is...
"The core problem in the UK is actually that the banks have had an effective monopoly position. Until recently, research has shown that people are more likely to get divorced or move house than change current account. Things are improving, but it will take at least another 10-20 years before the cartel is actually broken."
So what you're saying is customers are stupid and deserve all they get for being so damn lazy? It is very easy to move accounts in the UK, having done it twice myself, by asking for the direct debit/standing order form that they have to give you. Pass this on to your new bank and they can take over the transactions. SImple. When it's this easy if you don't move you deserve to get screwed.