United States v. Rutkin

The majority’s disposition recalls to mind an incident which transpired during the tragic depression days in the early 1930’s when bank closings were epidemic throughout the land. The payee of a check which had been returned marked “Insufficient Funds” storméd into the offices of the drawer of the check and indignantly demanded an explanation. The equally outraged drawer thereupon telephoned the bank and demanded an explanation in view of the fact that he had a substantial balance. Came this soothing reply from the bank’s cashier: “Calm yourself, sir, calm yourself, when we returned your…