In your case, it's plain old losing transactions and systems that don't work. In my case, it's government or other institutional players.

I think it's all of those things in my case since, the reason why the system was changed was because the institution providing what was required by the government pulled out of crypto and a new banking partner had to be found. 😁

They didn't tell us that of course since it wouldn't have looked good that Barclays Bank was no longer providing the system to do the Faster Payments Option. They have now changed bank to Clear Bank whom I've never heard of!

A new player just popped up in my browser where you can buy crypto instantly with a UK credit card. However, the fees are 5% which is 2% more than coinbasepro. They are currently offering free transactions though but, since they are new, I'd rather not a a guinea pig for them even if it is free!

And, currently there are only offering BTC too with LTC and ETH coming soon.

I'll give it a miss for now I think! 😂