It’s an interesting discussion, I wonder how many tradesmen who do the cash in hand jobs (wink wink), and those who are more than happy to pay the reduced rate are currently vilifying the banks for helping people avoid or evade tax?
The black economy accounts for a huge amount of lost revenue to HMRC, and pushes the benefit cost to the country up, through fraudulently claimed income based benefits.
You can’t have it both ways, either you are happy to turn a blind eye to everyone avoiding/evading tax or nobody.