Consumer Duty: Will it 'fix' financial services once and for all?

There have been many inches devoted to Consumer Duty. The Financial Conduct Authority's (FCA) latest iteration, which has been described as "Treating Customers Fairly on steroids", is the most recent attempt to get financial advisers to take care of clients and give them services and products that will end with a decent outcome for customers. Surely all advisers have this as the primary consideration, but it still seems not to be the case. The advisers that I work with have had this culture, but on the occasions that this has not been the case, I have refused to continue to work with ...