Let me talk about THE BANKING THEORY first

Here are 100 people, each had $10.

They did not think it is safe to leave the money at home, neither carry everywhere.

A man, Mr. Banker is sitting on a wheelchair, he brought a safe and a

People thought that he could not run away, he could protect, they trusted him felt

secured, they deposited their money to Mr. Banker.

Another man Mr. Borrower knew that, he went to Mr. Banker, borrowed $1,000 for a month. Mr. Banker asked for 5% interest, Mr. Borrower must return after a month. After a month, Mr. Borrower returns $1,000 + 50 int = 1,050.

Therefore, Mr. Banker gets $ 30 out of $ 50 interest, and shares $20 to the 100 people each will have 20 cents. This was the ideal situation, everybody was happy.

However, there was a problem,  Mr. Borrower did not return the money.

image : PNB in the old time. A government bank.