I tried the local credit union, same shit different name.

You’re also making excuses for your lack of empathy. I hope you never find yourself in the position of needing empathy and the only person available is someone like you.

I like this explained reasoning better.

While I tend to agree that the possibility exists (motive, means and opportunity align); are you suggesting that the absence of evidence here is a reason to believe the speculation?

He’s out of line, but he’s right.