>Money, when paid into a bank, ceases altogether to be the money of the principal; >but he is, of course, answerable for the amount, because he has contracted,

>Money, when paid into a bank, ceases altogether to be the money of the principal; >but he is, of course, answerable for the amount, because he has contracted, having received that money, to repay to the principal, when demanded, a sum equivalent to that paid into his hands. These are the two important parts. The banker must pay back an amount equal to that which was deposited but is not required to return the literal cash. If you hand a banker a physical gold coin to deposit you have no reasonable expectation of receiving that exact individual gold coin upon withdrawal. But, you still get back a gold coin.