💡 **UCC FACT: Your Bank Deposit Was Never Cash – It Was CREDIT** 💡 Under **Uniform Commercial Code Article 4**, when you “deposit” money into a bank, you’re not handing over actual physical cash in most cases — you're simply authorizing the bank to **create a credit entry** on your account. 📖 Per **UCC § 4-201 & § 4-208**, the bank acts as a **debtor**, and you become a **creditor**. 🧾 That “deposit” is not safeguarded in a vault — it’s a **ledger entry**, an internal liability the bank owes