If I had my £500 in their bank and not mine, I'd have to jump through whatever hoops to get it back in order to book a week away in a cottage somewhere tomorrow.
Why would I want to do that? I don't pay Tesco or Amazon or anyone else a few quid extra every time I shop and say I can get it back at some point by filling in a form and waiting for it if I want.
Just seems odd to me. I guess I'm old fashioned.
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