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" Tuy nhiên, các chủ ngân hàng, thay vì thừa nhận tình hình của mình, công khai phủ nhận sự tồn tại của bất kỳ tiền gửi hoặc các khoản nợ có lợi cho khách hàng Isocrates. Khi các khách hàng, rất nhiều ngạc nhiên bởi hành vi của nhân viên ngân hàng, một lần nữa tuyên bố thanh toán từ Passio, ông cho biết các nhân viên ngân hàng, | Attempts to Legally Justify Fractional-Reserve Banking 137 over their money with the desire to retain full availability of the good turned over monetary deposit on demand 20 while banks accept deposits not with the aim of keeping 100 percent of the tantundem in their possession at all times but rather with the intention of using most of what they receive on deposit to make personal loans and investments. This dual availability could not possibly be ignored by Garrigues who logically finds it very disquieting and confusing with respect to legality.21 As a matter of fact for Garrigues the most outstanding feature of monetary bank deposits in their current version which does not require a 100-percent reserve is dual availability the deposited goods are simultaneously available to both the bank and the customer. He adds that assertion that each of the two has the perfect right to view the operation from the angle which most behooves him. However Belda fails to realize that as there is an essential difference and a contradiction between the causes motivating the parties to enter into the contract the problem is quite another it is not that each party views the contract as most behooves him but rather that the fulfillment of the aim or cause of one party the investment of funds by the banker prevents the successful fulfillment of the aim or cause of the other the custody safekeeping and continual availability of the money . See Belda S.J. Ética de la creación de créditos según la doctrina de Molina Lesio y Lugo pp. 64-87. See also Oscariz Marco El contrato de depósito estudio de la obligación de guarda footnote 83 p. 48. 20The fact that depositors sometimes receive interest in no way detracts from the essential purpose of the deposit the safekeeping of money . Since interest is attractive the unsuspecting depositor will jump at the offer of it if he still trusts the banker. But in the case of a true deposit the depositor would enter the contract even if he were not to .
