The legal obligations of a bank towards its clients generally extend way beyond your example, depending on the country, but yes, returning the client belongings upon termination of the relationship should be a basic right mandated by law. I think it is profoundly absurd that we are renouncing hard-fought consumer rights just because business is now being conducted electronically. If the letter of the law no longer matches the spirit, we should update the letter, not lose the spirit.

I think we agree more than we disagree. Thank you for your time.