Australia’s top banks on the hook for majority of measures recommended by Royal Commissioner Kenneth Hayne. : Many people start their new year with diets, exercise, or perhaps a dose of self-help. Bookshops are well stocked with guides to better working, living, thinking, sleeping and even breathing. No wonder the discussion of trade is in such a tangle. The terminology around the subject is almost designed to cause confusion. A major inquiry into Australia’s financial services industry has called for civil penalties to be imposed on trustees who fail in their duty to protect superannuation fund members.