"As the benefits of Scotland’s financial system became increasingly obvious, it was soon regarded with envy elsewhere – especially to the south. The core elements of its banking were extended by legislation to the rest of the UK in the 1820s, and there were attempts in the 1850s to do the same for its debt-enforcement provisions, though these failed to get voted through" https://www.ageofinvention.xyz/p/age-of-invention-why-scotland-succeeded