to the-banker , the- clerk cast now as the likely irresponsible yet hapless helplessly indebted , no-deposit poor credit-rating history first-time mortgaged and-possibly employee ... as in : bank-loaned salaried monthly paid-off ... and to be paid-back payday pay-check paper-money on-screen backed , and banked the-bankers ' newspaper front-page pictorial held-out , taut-and-proud , as a flag of convenience : world markets in turmoil !