> I also don't really agree that the bank owes my friend that $100k. I am sorry if I sound blunt, but I do not see this something that is a question of opinion

> I also don't really agree that the bank owes my friend that $100k. I am sorry if I sound blunt, but I do not see this something that is a question of opinion or something one can feasibly agree or disagree with. This is pretty much true by definition. Yes, I know it feels different if you lend your money to a bank or to your friend, but it is only because you can use the debt of the bank as means of payment more easily.