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Michael Tillinger discusses the complexities surrounding banking issues, promissory notes, and bills of exchange, stemming from his personal experiences with banks and his legal struggles in the Supreme Court of Johannesburg. He emphasizes the lessons he learned while representing himself against highly paid lawyers associated with banks. Tillinger highlights that he receives numerous inquiries weekly about the use and explanation of promissory notes, which motivated him to create this video. His goal is to provide a comprehensive resource for viewers to better understand these topics and empower themselves with knowledge.