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Yeah, I get what you're saying...

I get what you're saying but the distinction I'm drawing -- between unsecured loans, which yes, would included deposits, and secured loans, which wouldn't -- is important here. The first is rightly part of "total deposits" and the latter is better considered an investment made by the company (here, Ginko). Counting it wrong means that depositors are deceived about how much money they have.

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