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.


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.

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


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

Letter XI – Press One for Betrayal

By Martyn Walker
Published in Letters from a Nation in Decline

The modern call centre was not designed to solve your problem. It was designed to make your problem someone else’s responsibility.

There was a time—not so long ago—when you could pick up the telephone and speak to someone in authority. Not a chatbot, not an overseas “operative,” not an algorithm tasked with guessing which service category most closely matched the thing that was bothering him. A human being. On the premises. With some measure of agency. One might even call it customer service—a phrase now drained of meaning, like so much corporate jargon turned to husk.

It’s easy to sentimentalise the past, but this isn’t nostalgia. It’s an observation. In 1980, if I had a query about a spare part, a refund, or a change to an order, I called the shop. The shop answered. A man in a brown coat wiped his hands and told me the truth. Perhaps he had to check in the storeroom. Perhaps he said no. But he said something. And I was no longer in doubt.

Now, try calling your local Halfords. Or Sainsbury’s. Or Currys. You’ll search for a phone number, find what looks like a local line, dial it with hope—and find yourself deep in the circuitry of a call centre. Often abroad. The voice will be polite, inoffensive, robotic. And its sole mission is to extract your details. Your name, postcode, date of birth, your grievance if you’re lucky. But it cannot solve your problem. It may not even understand it. You are not speaking to someone in the branch. You are speaking to data acquisition software in human form.

This isn’t a bug. It is the design. You, dear customer, are not a person but a unit of behavioural metadata. A record to be “triaged,” escalated, or dropped. The goal is not to help you but to contain you. Hold times, circular menus, dead-end email addresses, disappearing contact forms—these are not symptoms of strained service, but strategies of avoidance. No longer is the customer always right. The customer is barely relevant.

And when you finally breach the firewall—after ten minutes of hold music and a few weak apologies—you’re passed back, with luck, to the store you originally tried to reach. Or worse, told they “can’t connect you but will raise a ticket.” The circle begins again.

This model of service has metastasised. The state has adopted it with vigour. HMRC—an organisation I once respected—now behaves like a digital fortress. I have owed them money and seen the efficiency with which they communicate. But now they owe me a refund—one triggered at the height of the pandemic, over four years ago—and they are unreachable. My letters go unanswered. Emails are met with silence. Phone calls are looped through menus that lead nowhere. I cannot speak to anyone. And yet, if I were late in payment, I have no doubt I would be found [1].

We are told that these systems are more efficient. That technology has made things easier. That chatbots, web portals, apps, and ticketing systems have replaced “old-fashioned” service with something faster and more scalable. But these are lies. The system is not more efficient—it is more opaque. More exhausting. The problem is no longer one of supply, or of timing, but of deliberate misdirection.

You are meant to give up. That is the efficiency: your defeat.

The corporations know you have nowhere else to go. Tesco boasts of “price matching” against Aldi or Lidl, but only for items carefully selected as competitive loss leaders [2]. The supermarkets function as a cartel in all but name. There is no real price war—only a performance of it. And when every supplier adopts the same approach to service—offshored, automated, evasive—what alternative is left? Who do you reward with your custom?

The human voice—the oldest tool in commerce—is now treated as a cost centre. Empathy is expensive. Initiative is a risk. It is far safer, from a boardroom perspective, to channel all contact into a data funnel, log the frustration, and offer a £5 voucher once a month to appear caring.

Meanwhile, the consumer—the citizen, the taxpayer—is left howling into the void. Asking not even for special treatment, but for the basic reciprocity that once governed civil society.

And so I write this not as a technophobe—far from it—but as someone who sees the difference between progress and abandonment. We have not been “streamlined” into a new age of customer empowerment. We have been reduced. Stripped of our right to a voice, replaced with a row of dropdown menus and a number on a dashboard.

What has died is not merely service. It is the principle of response.

And without response, there can be no trust.

References

  1. National Audit Office (2022). Customer Service Performance at HMRC. NAO report showing average call waiting times exceeding 20 minutes, with some refund cases unresolved after more than a year.
  2. Competition & Markets Authority (CMA), 2023. Supermarket Price Competition Review. The report notes that “price match” campaigns often use cherry-picked items, typically loss leaders, creating an illusion of parity while overall basket prices diverge.
  3. Citizens Advice Bureau (2021). The Customer Service Crisis. Documenting the shift to automated and offshore customer service in key industries and its impact on vulnerable groups.
  4. Financial Times (2023). Retailers’ use of behavioural data surpasses customer service investment. A feature highlighting that major UK retailers spend significantly more on data analytics than on staff training or customer resolution.
  5. House of Commons Treasury Committee (2024). Digital Services and the Decline of Public Accountability. Evidence submitted to Parliament showing the impact of digital interfaces on HMRC accountability and customer complaints handling.

Metadata

Title: Press One for Betrayal
Series Title: Letters from a Nation in Decline
Series Volume: Letter XI
Author: Martyn Walker
Language: English (UK)
Date of Publication: 2025-04-16
Edition: First
Abstract / Short Description:
An essay on the erosion of human-centred customer service in modern Britain, revealing how citizens are now treated as data points, not people. Through sharp satire and lived experience, Press One for Betrayal confronts the state and corporate sectors’ weaponisation of digital systems to deflect responsibility and suppress contact. The personal becomes political in this eleventh letter from a nation in visible decline.


BISAC Subject Headings (Book Industry Standards and Communications):

  • SOC026000Social Science / Sociology / General
  • BUS070060Business & Economics / Customer Relations
  • POL023000Political Science / Public Policy / Economic Policy
  • TEC003070Technology / Social Aspects
  • COM087000Computers / Human-Computer Interaction

LCSH (Library of Congress Subject Headings):

  • Customer services—Great Britain
  • Call centers—Great Britain
  • Public administration—Effect of technological innovations on—Great Britain
  • Data protection—Great Britain
  • Communication—Technological innovations—Social aspects—Great Britain
  • Administrative agencies—Great Britain—Public opinion
  • Surveillance capitalism—Great Britain
  • Government accountability—Great Britain

Keywords / Tags for Indexing:

customer service, HMRC, UK bureaucracy, call centres, digital inefficiency, datafication, corporate indifference, public sector decay, satire, Letters from a Nation in Decline