Oh dear you seem to have really missed my point,you are assuming that everyone knows how to use the internet, the area in question is a poor area where there are many who haven't got two ha'pennies to rub together,you are also assuming by your comments that people can only be physically disabled,this area once housed the main hospital for Scotland's mentally ill until the Government saw fit to put these people into 'Care in the community' projects and many of them are re- housed in local multi occupied housing looked after by carers who are not going to have online access to patients bank accounts.
You are sitting pompously from a great position of not only being able to afford the internet but also intellectual enough to operate on it. Please think carefully about the less fortunate before spouting off further.
As for hitting a raw nerve look at the title of the thread, I was already fuming at the topic, don't think for one minute you clever enough make me feel any worse.
Definition of bureaucrat for English Language Learners. : a person who is one of the people who run a government or big company and who does everything according to the rules of that government or company : a person who is part of a bureaucracy.
As extracted from Merriam and Webster... last time I looked the Royal Bank of Scotland was a big company.
As for you hinting that I was threatening and abusive there is a report function available to you, fill your boots.