Money lenders of the past and present know exactly how to protect their assets: they demand very secure collateral. Therefore, ironically, it is inexcusable for a banker or a usurer or a loan shark to lose his money because of fake collateral. Of course, there is an exception here when a country is run by gangsters who set up their own commercial banks to lend huge amount of money to a cohort, disguised as a customer, against fake collateral.
Well, in such a country, no wonder if ordinary people deposit their savings in the so-called commercial bank which pays a luring high interest rate of, say, 25% as a bait to attract deposits. Naturally, depositors, in a state of denial, ignore the greater risk of losing all their money for a smaller gain.
Since modern journalism is based on what they are allowed to see, they objectively publish their disinformation as facts, otherwise, they have to face the big brother's firing squad. Consequently, a Beware of the Dog attitude prevails.
In such an environment, a college student who needs to present a dissertation in order to graduate may innocently choose the topic 'outstanding receivables'. The student herein, like the first usurer of the past, is well aware of the importance of safe collateral, but she is scared to death to talk about corruption coming from the top, so she chooses irrelevant causes and effects.
Of course, in her study, she encounters the expression of 'credit risk management' which can maximize a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters, blab blab blab, but both the student and the advisor who have no good command of English, choose the English language as a smoke screen to make it impossible for the pigheaded squads of the ruling gangsters . Of course, the student with the guidance of her advisor purchases a copy-paste English text, about 200 pages, from market, with a percentage going to the advisor. The only page the advisor is interested is the Abstract.
The student's research pivots around ATM rather than the main cause of the 'outstanding receivables', that is, the prevailing corruption oozing from the top of the pyramid. In the study, the student proves in vain that ATM of the bank is located in a wrong place, that is, facing eastward, and most customers are elderly, suffering form eye cataract or wearing thick reading glasses. Besides, from 8 AM till one o'clock in the afternoon, the direct sunlight badly affects the ATM display screen, LCD, and turns it completely dark, making it hard to read the instructions displayed.
Moreover, the keys due to excessive wear and tear are unreadable. Consequently, the customer gets frustrated and decides to quit, but cannot retrieve the ATM card. Simultaneously, waiting customers behind him raise their voices and make it impossible for him to continue. Now, the user enters the bank to report that his card is stuck. After some long minutes, a clerk opens the ATM box from inside the bank and finds no card in it. Now, an ugly dialog goes on for extensive minutes.
Later, the bank clerk checks the account and declares the customer after receiving maximum amount of cash had retrieved his card. The student, now, claims she has discovered the cause and offers solution which is turn the building 90 degrees!