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the idea of running a balance is complete bullshit anyway
Unless you're totally broke.
I used to appreciate it when I was in the council flat and living on vapours, it was the kind of financial planning I was happy with... someone else forcing me to pay a bit more in the Summer so I could heat and cook through the Winter.
Velocio
Best thing is to not keep a balance.
But yeah it kind of causes a run if everyone suddenly decides they want their money back
TBH the idea of running a balance is complete bullshit anyway.