If the National Australia Bank had declared, 12 months ago, that after punishing Australian farmers for the ups and downs of their climate-driven industry for decades, it was about to give them a break, the news would have been welcomed with open arms.
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Livestock and grain producers have been condemning the practice of hitting farmers forced into short term default due to drought or other catastrophes with penalty interest as short sighted and counterproductive since the year dot.
There have been countless stories of good operators, caught short because of weather conditions, fluctuating commodity prices and the like, racking up massive interest liabilities in ridiculously short periods of time, long before the banking Royal Commission.
Foreclosures, bankruptcies and an epidemic of suicidal despair across rural Australia during the "millennium drought" were irrelevant. The only thing that seemed to matter to the banks was profit.
This was always going to be a given. Lenders are happy to flog foreclosed properties off at bargain basement prices that cover their own exposure.
No bank CEO has ever lost sleep over the fact this slash and burn approach left nothing for the families who were losing their homes and their livelihoods.
You only had to listen to the Royal Commission testimony by the strong, quiet and dignified men and women from the bush to know the price, often measured in graves in country church yards and in shattered families, rural Australia has paid for a culture of corporate greed.
This is the forum the Turnbull Government only agreed to bring into being after some key Nationals members threatened to cross the floor late last year.
It has become a lightning rod for complaints of exploitation, indifference and outright criminal activity.
While the big four banks have yet to be seriously penalised by the stockmarket, other players, including the once iconic AMP, have suffered a collapse in value.
There is also a high probability that, as a result of the Royal Commission, bank officers and executives and financial planners, one of whom boasted in 2008 he had charged an 86-year-old woman $35,000 for an off-the-shelf investment plan that took less than an hour to produce, will have to explain themselves to a court.
It is these issues; not a new found realisation they have a moral obligation to the welfare of their customers, that is driving the minor changes we are beginning to see.
It was absurd for NAB CEO, Andrew Thorburn, to say, as he did on Monday, that: "the Royal Commission and other inquiries reveal that in some cases we have lost touch".
Most people don't need a multi-million dollar, year-long, judicial taskforce to reset their moral compass.
None of the CEOs of any the major banks can distance themselves from what has happened on their watch.
These latest mea culpas and promises to reform are a pragmatic, and possibly short-lived, response to a unique market challenge.
It will take much more than this to win back the trust of their customers, their own staff and the wider community.
