India - challange of the financial system

Working on an Indian financial market I might declare following statements:

a) it is too expensive for the developed financial company to start operation

Office
.... as the good quality rent costs a fortune together with deposit
.... as the local air is so bad u need an air purification
.... as the energy effectivity of buildings is bad

Company setup
.... it takes too long
.... it has crazy rules + local advisors are useless offering you only all in equity solutions. I am not willing for every EUR I invest in country to invest as equity
.... lot of "It works like this in India it works like this over the world non-senses"

Banking
.... very bad shape. Few banks, literally few. For an economy like India to have a handful of whole India banks owned by government and the rest of the banks to be local government or municipality owned. One new licence since 1996! This is so backwards for a country of the India size
.... lazy bankers testing you what u take as normal and squeezing every cent u have unless 10% is left in their pockets
.... no being able to hold the foreign currency on you account but immediately to  change it to Rupiah. And for what rate? For EUR you loose around 5% if you dont pressure your bank to fix the rate before money arrives!
.... every foreing incoming transaction to be documented
.... loosing value of Rupiah in time
.... very hard withdrawal of money out of India

b) running the company
.... 80% people doesnt have bank accounts
.... 80% of transactions happening in cash
.... sudden withdrawal of 500 and 1000 notes from economy as happened on 8.11.2016
.... piles of cash in the homes of  rich not being deposited....thus not being able to reinvest
.... borrowing on behalf of pledge of property only
.... 5 people in bank to do simple transactions
.... bad transportation (need 2 hours to get on a meeting on average)
.... no sense of time and urgency
.... keeping the bankers jobs for the family members, no competition
.... BOI saving bad debts by purchasing them...not solving the situation unless it is very bad
.... not a proper debt collection (touch or no touch wise)
.... huge variability within the country in languages and writings

c) controlling the company
.... "I am going to close you" approach to get things done
.... "not thinking about the numbers" unless it really affects me
.... "low life expectations"....people in India suffer and are ready to suffer
.... nobody cares approach
.... family foremost, no need to care of neighbour
.... tax avoidance

Therefore I would like to Mr. Modi to continue his effort. Open financial system to new subjects. Let the system change. Increase the confidence in state as itself and decrease the scare of the state officials. Make a new better rules to allow investments to India. Distribute wealth between people and make them socially more aware.