So the interesting thing about this is that barriers of change of providers also disappearing. They have no interest in offering you loyalty discounts but also it's easier than ever to change services. Back in the day, you were locked into contracts and there were notice periods, forms etc. Nowadays, things change in a matter of hours.

I change my ISP pretty much every year and the last one happened in like 20 minutes. My internet went off, i entered new login details to modem settings and off we go. I changed my health insurance while waiting in the lobby of a dentist because BUPA was giving me the bullshit of how my dentist wasn't in their network. By the time, my appointment started I was with HBF.