This seems to ignore two things: The bank's only moral imperative (a misnomer for a bank, I'm aware), per their agreement with you, is to have your money safe

This seems to ignore two things: The bank's only moral imperative (a misnomer for a bank, I'm aware), per their agreement with you, is to have your money safe when you come for it (even if "you" is everyone). The TP company, they want to use just-in-time inventory, and that works 90%+ of the years, fine, but don't go blaming the consumer because they did too much of a good thing for you, and your workflows were too fragile to scale up.