As the Reserve Bank weighs up whether to increase interest rates for an eleventh consecutive time, the spotlight is on whether it's doing the right thing by all Australians. 

An independent review into the bank has handed 51 recommendations to the Treasurer, Jim Chalmers, to improve its practices. 

So will it help those struggling the most? 

Today, ABC business and economics reporter, Gareth Hutchens, on how and why life in Australia has become less fair in the past 30 years.

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Gareth Hutchens, ABC business and economics reporter