About the story No. 2 about the ATM and the Lieutenant.
In the early 1990s there were many banks, straight like mushrooms after the rain. And they chose the names, not giving special insight to their meaning.
One of the scientific library institutions near the center of Moscow entered such a bank (or rather, it was given a part of the squares). The sign was if not on the whole, then on the half of a gentle wall, visible from a distance: "Ipotec Bank" (although it was unlikely that the word "Ipotec" was known at that time, even the employees of the bank itself). Since the institution was semi-closed, the employees of the bank were called to the guard stands, where the main transactions took place. There was a price list here. And the services were not always understood by banks.
As a graduate student, I went to work at the library. I stand, wait for the pass to be issued to the reading room and watch such a scene. A young woman approaches and asks, “How can I get a loan in your bank?” And the bank worker answers: “Put the money onto our bank account and then you will be able to borrow 80% of your account.” Well, the woman’s next question was quite logical: “Why should I then put my money on your bank account?”