Keep your current False Fav bank going with all your lays, but open another bank (with some of that £500 they want to take off you!) and just pick out one of them each day to lay in that bank. You'll still have your full quota of lay banks +1.
With a one-lay-a-day bank you'll find the strike rate increasing allowing you to increase the liability with more confidence. :)
I've seen things you people wouldn't believe. Attack ships on fire off the shoulder of Orion. I've watched c-beams glitter in the dark near the Tanhauser Gate. All those moments will be lost in time. Like tears in rain. Time to die.