chipper 60:I can see little evidence of meetings taking place amongst depositors and wonder why this is.

You can't have looked very far. There's been a couple of meetings in Guernsey, each with 100 depositors present, and a couple in Jersey with 50. Try looking in the "Agendas and Minutes of Meetings" discussion forum. The minutes of the latest Guernsey meeting are even linked to from the first page you see after logging in. Hardly obscure.