THE BANKS – DEVILS IN DISGUISE

I have never seen the devil in the flesh. For many years, I lived with the comfortable notion that the devil was an invention of my mothers in order to get me to bed early and generally behave myself. In the bright spring of youth, every pleasure was apparently a sin in the eyes of my parents and their peers.
Drink was the devil’s potion and Hell awaited you if you abused it. The pleasures of teenage fornication were denounced from the pulpit, and pronounced as a fast track route to meet Satan. Needless to say, all thoughts of the devil and Hell were quickly extinguished by the lust engendered by Susie next door. For her part, she didn’t seem too interested in the devil either! Neither of us had the good fortune to meet him and if we had we would have probably sought his approval and carried on with our shenanigans.

Decades later, I still have not encountered the devil in the flesh. However, I have met him, and he exists all right - in the shape of the bank manager.
Not any individual bank manager, let me say. The modern day bank manager dealing with clients at the coalface of business and living is mostly a decent sort.
He will do what he can for you but he is controlled from on high. He or she has no power.
In days of yore in Ireland, the local bank manager was a powerful figure. He was his own man and had the power to make or break you with his sole decisions. He had no need to refer to higher office for decisions made on a point-scoring chart. He looked in your eyes and made a character judgement that was seldom wrong. Nowadays, the bank manager in that sense no longer exists.
Instead, you deal with a faceless credit committee that lives somewhere in a shiny glass building in Dublin and never has eye contact with those they loosely term ‘customers’. Victims would be a more appropriate word.
Your account manager in your local branch doles out the good or bad news to you these days. If headquarters hasn’t approved your loan request, they will make suitable sympathetic clucking noises as to the grey suits taking the matter out of their hands. This of course is all an act, mastered by years of training by those same grey suits in the game known as ‘Pass the Buck and care not a Fuck’
The devil in Irish society is the Bank. Not just any bank, all banks. The Bank controls your life whether you are a small business, a regular worker, a home carer or a large business.
The Bank is the many faces of the Devil. Never was it more evident than today in post Celtic Tiger Ireland. For the last 15 years, the banks have thrown money at people who did not even necessarily want it. You were encouraged to borrow by all the banks. In fact, you were made to feel somewhat inadequate and lacking in entrepreneurial spirit if as a small business, or developer or whatever, you did not match the banks expectations that you were good for another million or so. It was very much akin to the scene that took place in the Garden of Eden with Adam and Eve. The banks dangled the apple in front of you and seduced you with promises of great things in the future.
Now however, as the credit crunch bites the Devil reveals himself in glowing red.
He arrives in the shape of a dull grey-suited bank auditor who tells you that you were very foolish to take up that loan offered by his colleagues by some years back. They need to increase the security, they need a higher rate of interest, they need this, and they need that to cover their red asses from being burned by the Devils own fire.
Mark Twain was right when said that a banker is somebody who offers you an umbrella on a sunny day and takes it away on a rainy one.
Yes Mother, you were right all along. The Devil does exist!