I'm sympathetic to your comment, but we are talking about the issuing of credit. Surely you see that this idea is a non-starter for a bank issuing credit? This

I'm sympathetic to your comment, but we are talking about the issuing of credit. Surely you see that this idea is a non-starter for a bank issuing credit? This is further complicated by US bank accounts including an intrinsic bit of credit from writing checks and other ACH debits.