This reminds me of the problem before we had the cash register (which Charlie Munger has talked about quite a lot). It was a constant problem, most people companies had a lot of theft. The constant ease of access was just too much for most people to do, adding in a cash register reduced this theft by a lot. It's unlikely these were "bad people" by most definitions, undisciplined, perhaps they meant to repay it, perhaps they had a serious ill.

We need a modern day equivalent of a cash register.