That is excatly the problem, Large groups often subsidiaries of larger companies or groups often owned or backed by investors who dont care about the small companies that they put out of business along the way a bit like globalism once they have control of most of the industry they can dictate the rates or they even become too large to let them go bust like some companies that we regularly discuss on here, Sometimes it takes a major reset which I Believe that covid has caused, We were all warned about inlflation and interest rates before lockdown took place, I remember listening to the radio and the chap said we need to tread carefully as inflation will take hold and give us a cost of living problem well it did and with interest rates are at a slightly better level at least for savers! At the end of the day finance is far to easy to get! You should always consider things long term and build in for things like rate rises.