Final answer:
The conclusion does not follow.
Step-by-step explanation:
The conclusion does not follow. Although there are three problems facing the financial sector mentioned in the question, it is not accurate to say that banks have never been trusted by the general public. While there are instances when public trust in banks has been shaken, there are also times when banks are trusted by the public. For example, during stable economic periods or when banks take steps to rebuild trust through transparent and responsible practices.