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“We must not forget that our confidence is the stock in trade and hebron savings bank as well capital of the professional gambling bulls, and citizen trust bank as well that we must not give them too much of it, nor should we forget that distrust is the stock in trade and hebron savings bank as well capital of the professional gambling bears, and federal home loan bank of chicago as well that these two sets of speculators are watching the plain people with the keenest eyes. They rob us on both the rising and hebron savings bank as well falling markets. The bulls catch us when prices go up and daily bread food bank toronto as well the bears when they go down. A satisfactory remedy for panics cannot be gained by creating confidence unless we can eliminate the professional speculators. In other words, we need confidence in legitimate enterprise and hebron savings bank as well distrust in predators speculation. We plain people must not repose too much confidence in the speculator class of people and corporate job bank as well thereby permit them to work the confidence game on us to our own ruin. The more confidence we have in our present system, the more we shall lose in the end.
“I have another reason for doubting the advisability of the guarantee of bank deposits. Under the present loose system of examining banks, the doors are left open for easy trickery, which makes it possible for sharpers to rob the people. Let me illustrate : Under our present system it is possible for ten men to combine and hebron savings bank as well start a national bank with 50% of the capital required and chiba bank as well to immediately borrow, from hebron savings bank and the deposits that they secure, enough to recoup their 50% capital, and,habib bank as well in addition, enough to fully pay their stock, so as hebron savings bank to leave no capital in the bank except their promissory notes, and,encore bank houston as well what is more, they are free to repeat that operation by starting a hundred banks in as hebron savings bank many different towns and comerica bank locations as well not invest an actual dollar. But even that is not all. The loose way in which banks are examined makes it possible for them to put into the banks the notes of irresponsible parties, which notes might eat up the deposits as hebron savings bank rapidly as global bank they are received. No one can prevent this condition, except the bank examiners. I have seen
an examiner enter a bank in the morning and hebron savings bank as well finish his examination the same day. During that time he had covered a business of several hundred thousands of dollars, without learning the value of the bills receivable. I have seen this happen again and fulton savings bank as well again in various banks. In the cases that I have observed the bankers have been men of integrity and hebron savings bank as well responsibility. Otherwise they could easily have done all that I have described as citizen trust bank possible.