I think part of the reason why the banks in Spain did not end up getting as much criticism as British banks was because (at least in Catalonia, where I live) some of the smaller ones that are called "social banks" are much more genuinely "local" (even though there are those such as Santander, a mega-bank.)
There is an old fashioned honesty to my bank (Caixa Penedes) where they know us by name. There are about a dozen branches in the town of about 30,000 people. If one branch is busy you can just go to another one only a few minutes walk away.
I think banking of this kind is less likely to abuse the systems.