Perhaps a system based on sortition (lottery). Make it a form of 'civil' service that everyone must do for a period of time. It could be anyone making the next decision. There are no party politics.

To be fair, this is playing out in exactly the way many were saying, and then being labelled 'far left' or having TDS. The plans were all laid out in Project 2025 documentation. His track record was there for all to see.

True, getting started can be very low cost, but at a certain point, the management fees mean you really need to switch to commission accounts. Exactly re cash. You need the flexibility to be out of the market. Even "safe" gilts sometimes take a battering (and not all brokers offer them)

Cash ISA's can't be worth much to IG (it's not their core busines). Shifting people en-masse to higher cost Stocks and Shares, charging fees for buying and selling shares and funds, bombarding with 'investment ideas'.l, must be worth a lot, lot more.