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you maybe your first experience of putting money in the bank wasnt quite as heartwarming as this but odds are years later you still refer to the balance showing on your bank account as being your money in the bank but it isnt if we have a deposit box at the bank the valuables we put in it are still ours were just renting secure space to store them in common usage the word deposit means to set something down but the use of the word deposit to refer to a bank account is misleading a bank deposit is in reality alone what the amount in our bank account really indicates is how much money the bank owes us its a record of the banks promise to pay as money not the money we deposited itself the difference is important the truth is when we hand the contents of our piggy bank to the bank teller our money becomes the banks money to do with as it pleases all of the money in the bank is the banks money none of it is ours thats why the bank pays us interest we have loaned the bank our money t