I wonder how many people are caught with that money in their account from a quick one time thing?
I have had that much in my account a few times on a very temporary basis. ie. transferring the money into a chequing account during the home buying process. The money sits there for all of three days before the paperwork clears on the down payment.
That would be a pretty terrible thing if it happened to someone who would never otherwise be in a position to have that cash on hand.
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