Yes, they are. For one, I know how I have been bilked by Reliance Capital in its older avtar. I also know that I have had to grin and bear it because, as Arundhathi Roy put it, in our courts the process is part of the punishment. And the process does not spare the aggrieved party either. In fact going to courts to redress these kind of grievances would be like adding fuel to the fire of ones own agony!
