I'm listening to "Going Postal" again, and I can't help wondering if Mark Carney has read any Terry Pratchett, because he should, he really should:
"Unfortunately, the Post Office came to be seen, not as a system for moving the mail efficiently, to the benefit and profit of all, but as a money box. And so it collapsed, losing both mail and money."
The Post office, The hospitals, the schools, are not for-profit institutions. Not money trees. They pay you back in citizens.