UK banks lost a test case a few years ago that led to a lot of people getting back however many years of overdraft charges, plus interest. The same thing happened a bit later with "payment protection insurance", intended to cover loan repayments if you lost your job, but with so many exclusions as to be almost worthless.

The end result was something like a forced savings policy. Cue people who avoided the initial trap wondering where their free money is.

You have to wonder sometimes.