Any time I've made a largish wire transfer (which admittedly isn't often), I get asked "what's the purpose of this transaction", and I always think:
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But that’s the thing, if they are in the bank, they are not really your things anymore ;)
I agree with you 💯. What frustrates me is by the definition of assets and liabilities, a customer deposit to the bank is a liability on the bank's balance sheet and therefore the bank should honor that - it seems in practice that's not quite true in some instances.