Canary Wharf shrouded by cloud post-crash was, to all intents, was Ground Zero for banks. Never again would it be the same for the sector’s capacity to self-regulate and operate with impunity. But now there is a growing voice of concern that the level of control and red tape is seriously curtailing risk, which in turn is threatening the competitiveness of the UK economy, just at a time when what is needed is courage and confidence.