No, just remembering that I was probably 5 years old when I first understood interest, loans and deposits. I never thought fraud was involved, why do you?
My deposit is NOT available to me if I used it to purchase a CD.
You can withdraw money in a CD.
You didn't address my comment about clear title to my demand deposit.
You have clear title.
Under normal circumstances, I can at will gain access.
Excellent! Then why are you confused?
But why should the laws have to change if others wish to gain access to their demand deposits at the same time?
The laws don't change.
The laws don't change.
You are correct. They are already written and don't need to change, because this has happened many times already. But as you still refuse to acknowledge, I WILL be refused access to my demand deposit, if too many others wish access to theirs. The bank can and must refuse my demand, and everyone else's. Simply because they wish access to what should be available to them upon demand. It may be legal, but that doesn't change what it really is.