Innocent people are being frozen out of basic banking services – and it all traces back to reforms rushed through after 9/11 Innocent people are being frozen out of basic banking services – and it all traces back to reforms rushed through after 9/11 H amish Wilson lives a few miles away from me, in a cosy farmhouse in the damp hills of mid Wales. He makes good coffee, tells great stories and is an excellent host. Every summer, dozens of Somali guests visit Wilson’s farm as part of a wonderfully