Letter XII 2–0 for the Three Laws

On Womanhood, Banks, and the End of Natural Sanity

By Martyn Walker
Published in Letters from a Nation in Decline

The Supreme Court’s ruling of 17 April 2025 brings brief but blessed clarity to a debate that should never have required adjudication. In upholding the definition of “woman” as a biological adult female, the court aligned itself—at last—with natural law, moral law, and human law. The surprise is not in the judgement, but in the fact that such a judgement was necessary at all [1].

Natural law is written in the structure of the body. It is not a social construct, nor is it open to interpretation by corporate HR departments. Moral law, developed over centuries of religious and philosophical reflection, honours the distinctiveness and dignity of women. And human law, which ought to reflect the wisdom of both, has too long been distorted by ideologues, bureaucrats, and cowards afraid to speak plainly.

With this ruling, the score is 2–0: reason and sanity regain ground against years of orchestrated confusion. The third point—cultural redemption—remains elusive. Corporate Britain, it seems, missed the memo.

Enter Lloyds Banking Group, who, within hours of the judgement, released a statement reaffirming their “support for the trans community” [2]. A curious phrase. What does it mean, in this context? That Lloyds is opposed to the court’s conclusion? That they prefer the legal fiction over biological fact? Or is it, as with so much modern corporate communication, simply a bland virtue-signal intended to prevent offence from a Twitter mob that has never darkened the doorstep of a bank branch?

The damage of such posturing is not abstract. It is real and cruel. Biological women—already silenced in sport, in prisons, in medicine, and in debate—are now told by their employers that their concerns are unwelcome. That they are, in essence, bigots for believing what every generation until 2015 took for granted.

This position is not just morally bankrupt—it is legally dangerous and socially irresponsible. And yet, it reflects a deeper truth about British banking in the twenty-first century: its abandonment of duty in favour of ideology.

These institutions, which once prized prudence, integrity, and public service, now concern themselves with pronouns and hashtags. Their moral compass is no longer set by community or customer, but by a risk-averse legal department obsessed with reputation management. It is not uncommon now to hear of customers being debanked for the crime of holding lawful but unfashionable opinions [3]. You may keep your money—so long as your views align with theirs.

Meanwhile, physical branches continue to vanish from high streets. Between 2015 and 2025, Britain has lost over 5,000 bank branches [4], leaving towns without cash access and elderly customers cut off from essential services. In the 1990s, when RBS attempted a similar retreat, the government blocked the move, recognising that banks are not just businesses but civic institutions [5]. Today’s political class, trained in nothing and employed in everything, lack both the will and the vocabulary to act similarly.

This is what decline looks like. A legal system forced to define “woman.” A bank afraid to state a biological fact. A population silenced by HR managers. All the while, the great financial houses of the country—flush with bailout cash, cradled by taxpayer guarantees—are more interested in gender identity training than interest rate margins.

When institutions forget their purpose, societies lose their memory. And once memory goes, so too does courage. We live in a time when truth requires legal defence, and fiction demands public fealty. But truth is stubborn. It is immune to hashtags, HR workshops, and focus groups. It may be silenced for a while, but it cannot be permanently removed. Not by Lloyds, not by Stonewall, and not by Whitehall.

Yesterday, the three laws spoke in unity. It is up to us to listen, to remember, and—if necessary—to fight for the truth they still protect.

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References

1. Supreme Court of the United Kingdom. (2025). Judgement: For Women Scotland v Scottish Ministers. SC/2023/0493.
2. Lloyds Banking Group. (2025). Statement on Trans Inclusion. Corporate Newsroom. Retrieved 17 April 2025.
3. Fairbairn, H. (2024). The Rise of Debanking: Social Credit by Stealth. Civitas Policy Paper.
4. Which?. (2025). Bank Branch Closures: The State of Access to Cash in 2025. Retrieved from www.which.co.uk
5. House of Commons Treasury Committee. (1995). Banking Services: Branch Closures and Community Impact.

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Metadata

Letter Number: XII
Title: 2–0 for the Three Laws
Collection: Letters from a Nation in Decline
Author: Martyn Walker
Date: 18 April 2025
Word Count: 1,118

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BISAC Subject Headings

• POL022000: Political Science / Public Policy / Cultural Policy
• SOC032000: Social Science / Gender Studies
• BUS069000: Business & Economics / Banks & Banking

Library of Congress Subject Headings (LCSH)

• Women’s Rights—Great Britain
• Banks and Banking—Social Aspects—Great Britain
• Equality—Law and Legislation—Great Britain
• Natural Law—Philosophy