Charlie Nunn, chief executive of Lloyds Banking Group
When the chief executive of Lloyds Banking Group — the UK’s largest retail bank and one of the biggest recipients of post-crisis bailouts — calls on government to “go further” in deregulation, it’s worth pausing to ask: for whom?
Charlie Nunn’s latest comments frame prudence as a problem. According to Nunn, forcing banks to “hoard capital” through Basel III rules has held Britain back. His argument: lower buffers mean more lending, more investment, and more growth.
It’s a familiar story — the same narrative that preceded 2008.
💣 Deleveraging vs. Democracy
“Deleveraging,” in the language of finance, simply means banks holding enough reserves to survive their own risk-taking.
In the language of citizens, it means not being forced to rescue them again.
After the global crash, stricter capital rules were designed to make banks responsible for their own losses. They didn’t just protect balance sheets — they protected taxpayers, depositors, and entire communities from being collateral damage in another systemic gamble.
So when Lloyds now claims that prudence is slowing growth, what they really mean is:
“We want our freedom back — to take risks with your future.”
⚖️ The Return of the Moral Hazard
The Bank of England’s recent decision to cut the Common Equity Tier 1 (CET1) ratio from 14% to 13% opened the door.
Now, the same banks that caused the last crisis are walking straight through it, calling for even lighter touch.
Governor Andrew Bailey insists this is a “sensible reflection of conditions.”
But history teaches that “conditions” change faster than culture — and the culture of extraction in finance remains alive and well.
Every reduction in capital buffers weakens the public’s protection while strengthening institutional profits.
It’s a trade-off disguised as reform.
🧩 The Extraction Cycle in Motion
At the Academy of Life Planning, we describe this pattern as the Exhaustive Cycle — the reversal of natural order in which institutions prioritise execution and profit before purpose and ethics.
- 2008: Profit-first lending collapsed into public bailouts.
- 2025: Profit-first deregulation is dressed up as “growth.”
Both rely on the same illusion — that private credit creation equates to public prosperity.
In truth, it widens inequality, fuels speculative bubbles, and leaves ordinary people carrying the systemic risk.
🌍 Structural Trust, Not Structural Risk
True growth is not measured in the speed of lending, but in the quality of life it supports.
A trustworthy financial system must:
- Hold capital as a duty, not a drag.
- Prioritise financial inclusion and ethical deployment of credit.
- Recognise that resilience is the foundation of prosperity, not its obstacle.
If Lloyds truly wants to “support businesses and customers,” it can start by supporting structural trust — transparency, fairness, and accountability — instead of lobbying for weaker oversight.
✊ Reclaiming the Narrative
As regulators bow to lobbying pressure, citizens must reclaim the conversation on what “growth” means.
Because if capital requirements are cut today, it won’t be banks who pay the price tomorrow.
It will be savers, borrowers, and pensioners — the very people the system claims to serve.
That’s why we continue to teach people to plan life before money, to create independent wealth systems that don’t rely on fragile institutions.
When citizens understand the game, deregulation loses its power.
Join the movement for structural trust.
👉 academyoflifeplanning.com
Get SAFE: A Fellowship for Those Walking Through Fire
Get SAFE is becoming what people are desperately searching for —
a structured, ethical, trauma-informed community for:
- victims of financial exploitation
- whistleblowers
- bereaved families
- citizen investigators
- advocates and moral leaders
The Fellowship is simple but profound:
We gather to recover agency, share truth, deepen courage, and support one another in the long path from harm to justice.
We are not aligned with any regulator, political system, or institution.
Our strength is our independence.
People came alive when they heard it:
“A Fellowship of truth, justice, and recovery — not a bureaucracy.”
“A place where victims are finally believed.”
“A community rooted in courage, not compliance.”
And because of the AI frameworks we’ve introduced, this Fellowship is not just emotional support — it is practical empowerment.
For the first time, ordinary people can:
- build digital dossiers
- reconstruct timelines
- detect patterns of institutional misconduct
- write letters with authority
- expose evidence regulators overlooked
- collaborate safely across cases
- turn pain into purpose
This is how movements begin.
Planning My Life: Preventing Exploitation Before It Starts
What the event also confirmed is this:
People fall into financial exploitation when they fall out of sovereignty.
Planning My Life sits exactly at this junction.
It teaches people:
- how to think independently
- how to plan their lives before planning their money
- how to identify institutional risk
- how to spot predatory sales patterns
- how to avoid product-led advice
- how to stay structurally trustworthy
- how to build a life where no adviser can mislead, confuse, or coerce them
Prevention and recovery are two halves of the same circle.
Get SAFE rescues those already harmed.
Planning My Life equips people so it never happens again.
Together, they form a complete empowerment system.
A New Model of Justice Is Emerging — Built by the People Themselves
The collective energy of the event revealed a truth that no institution dares speak:
When regulators fail, citizens take up the role of regulator.
When governance collapses, the governed take up the role of governance.
When truth is buried, truth-tellers become archivists of justice.
The movement we are seeing now is not political.
It is human.
It is built on:
- transparency
- dignity
- courage
- integrity
- collective intelligence
- and the healing power of community
These are the values Paul Moore lived and died for.
This event honoured him not by remembering his warnings —
but by continuing his fight.
Where We Go From Here
The Academy of Life Planning now carries a responsibility that is both moral and strategic:
To give people the tools to understand their lives,
their finances,
and their evidence —
so exploitation no longer survives in the shadows.
Through:
- Planning My Life (self-sovereignty)
- Get SAFE (justice and recovery)
- AI-as-co-pilot (pattern recognition, empowerment, clarity)
- The Fellowship (community and courage)
- The GAME Plan (a universal cycle of intention-to-manifestation)
…we are building the world that institutions promised but failed to deliver.
A world where truth has a home.
A world where victims are lifted, not shunned.
A world where ordinary people can finally stand equal to the powers that harmed them.
A world where transparency is not a slogan —
it is a lived practice that restores dignity, agency, and hope.
This is the movement Paul Moore began.
This is the movement that rose in that meeting.
This is the movement we now carry forward.
And we will not stop until every victim finds their voice,
every truth comes to light,
and every life stolen by exploitation is honoured through justice.
In One Sentence
Goliathon turns victims of financial exploitation into confident, capable citizen investigators who can build professional-grade cases using structured training, emotional support, and independent AI.
Instant Access
Purchase today for £2.99 and get your secure link to:
- the training video, and
- the downloadable workbook.
Link to Goliathon Taster £2.99.
If the session resonates, you can upgrade to the full Goliathon Programme for £29 and continue your journey toward clarity, justice, and recovery.
Every year, thousands across the UK lose their savings, pensions, and peace of mind to corporate financial exploitation — and are left to face the aftermath alone.
Get SAFE (Support After Financial Exploitation) exists to change that.
We’re creating a national lifeline for victims — offering free emotional recovery, life-planning, and justice support through our Fellowship, Witnessing Service, and Citizen Investigator training.
We’re now raising £20,000 to:
Register Get SAFE as a Charity (CIO)
Build our website, CRM, and outreach platform
Fund our first year of free support and recovery programmes
Every £50 donation provides a bursary for one survivor — giving access to the tools, training, and community needed to rebuild life and pursue justice with confidence.
Your contribution doesn’t just fund a project — it fuels a movement.
Support the Crowdfunder today and help us rebuild lives and restore justice.
Join us at: http://www.aolp.info/getsafe
steve.conley@aolp.co.uk | +44 (0)7850 102070
Academy of Life Planning 