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If a customer modifies their bank account without the consent of the bank, they would be violating the written policy set forth between the customer and the bank thus suffering the legal consequences. Adhering to any sort of contract is part of what Spinello describes as a contract rights-based model.2 Anyone that violates the contract signed by the user themselves is subject to the penalties set by the bank and the government. The bank initially established these rules so that no one is able to give themselves more money, since it would either take money from other accounts or it would transfer money that did not exist which theoretically puts the bank in debt...
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