If the banks make financial errors for billions they get a loan from you to cover it, if you make an error for 7 cents they hit you for a fat late charge. Will the worlds local bank lend you 7 cents? Doc Lobot calls the bank to inquire. Hide the loot, Johnny Rocko, George Baileys Bedford Falls sub prime meltdown, its a wonderful life on Wall street, Vigilante up a tree.Which tax payers will the police work for those who had a cured ham stolen or a motorcycle? what will the long term effects of tax cuts be?