So the point being there is no disincentive against consumers trying their luck to get more with AFCA? and no incentive to reasonably resolve things by the FF? - because the outcome would have been the same - unless AFCA admits penalising the client for wasting everyone's time?
This is actually a poor reflection on AFCA and in this media driven clown word no one can see it. AFCA should have decided early on that it was simply vexatious and the matter had been resolved reasonably by the Fin Firm.