All bankers are liars and frauds because they are engaged in fractional reserve banking.  The perplexing case of Foley v. Hill and Others was decided in 1848 by Lord Cottenham who stated:

The money placed in the custody of a banker is, to all intents and purposes, the money of the banker, to do with as he pleases, he is guilty of no breach of trust in employing it; he is not answerable to the principal if he puts it into jeopardy, if he engages in a hazardous speculation; he is not bound to keep it or deal with it as the pro...