Inechitate în relația cu băncile

 An old Native American man needed to borrow $500, so he went to the local bank and asked to speak to the Loans Officer.
The banker welcomed him and said he had to fill out a loan application. So, the banker took a form from his desk and began asking questions.
“What are you going to do with the money?” the banker asked.
“Buy silver, make jewelry, then sell it,” the man replied.
“And what do you have for collateral?” asked the banker.
The man said, “I don’t know what collateral is.”

The banker explained, “Collateral is something valuable that we hold onto in case you can’t pay back the loan. Do you have any vehicles?”
“Yes, I have a 1979 Chevy pickup,” the man answered.
The banker shook his head, “That won’t work. How about livestock?”
“I have a horse,” the man said.
“How old is the horse?” the banker asked.
“I don’t know, it has no teeth,” replied the old man.
After a few more back-and-forth questions like this, the banker finally decided to grant the loan to the old man.
A few weeks later, the old man came back to the bank.
He pulled out a big roll of $100 bills from his pocket and said, “Here’s the $500.”
“Business must be good!” the banker said. “What are you going to do with the rest of the money?”
“Keep it close to me,” the old man answered.
“Why don’t you deposit it in the bank?” the banker asked.
The old man said, “I don’t know what deposit is.”
The banker explained, “You just put the money in our bank and we’ll take care of it for you. Whenever you need it, you can take it out.”
The old man leaned over the desk, looked the banker in the eye, and asked, “What do you have for collateral?”