Seriously, what banks do you think are running so close to the margin that they need your $20, or $20,000 or even $200,000 for 10 days to cover "losses"?
Quote:
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U.S. banks recorded significant earnings in the third quarter, their best showing in more than four years. The Federal Deposit Insurance Corp. reported this morning that the U.S. bank industry topped $35 billion, a full 50 percent jump from the same quarter last year.
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US banks are making billions of dollars in profits and you think they're somehow coming up short of the period of 10 or 20 days? It just doesn't make any sense what so ever.
Further, you have no evidence the funds ever went anywhere. They didn't dissapear they simply weren't available to you as there was a merchant pre-auth being held against them.
Your willingness to think Zebras when you should be thinking Horses is over the top paranoia.