Survey evidence regularly shows that bank customers view bankers as less ethical or honest than other professions. This article sheds light on one potential origin of these misgivings that has been until now unaddressed. The legal system endows certain rights to banks without altering the duties obliged of depositors. By categorizing rights according to their corresponding duties we show that a conflict exists between: (1) depositors with an on-demand right to their deposited sum, and (2) depositories (banks) that are given the legal right to make use of these deposited funds at any time. Using a legal-economic analysis, we demonstrate that the latter right held by the bank is misplaced. Rectifying this erroneous assignment of rights removes the conflict apparent in the contract. Clarifying banking rights also aids in avoiding many of the misunderstandings seemingly inherent in the banking industry. Addressing this legal inconsistency removes one source of ire directed at bankers during banking crises.

调查证据经常表明，银行客户认为银行家比其他职业更不道德或诚实。这篇文章阐明了这些疑虑的一个潜在根源，直到现在还没有得到解决。法律制度赋予银行某些权利，但不改变存款人的义务。通过根据其相应职责对权利进行分类，我们表明存在以下冲突：（1）对其存入金额具有按需权利的存款人，以及（2）被赋予使用这些存款的合法权利的存款人（银行）。随时存入资金。通过法律经济分析，我们证明了银行持有的后一种权利是错误的。纠正这种错误的权利分配可以消除合同中明显的冲突。澄清银行权利也有助于避免银行业中看似固有的许多误解。解决这种法律上的不一致可以消除银行危机期间针对银行家的一个愤怒来源。