We’ve all heard the saying one bad apple spoils the bunch, and quite frankly I think we really do believe it. Whether in the classroom, the department store, or the bank, we’ve focused on this whole idea that we have to reduce the number of bad apples if we’re ever going to get anywhere. Coming across a bad apple is too much of a risk. So, that’s all it’s about, especially when it comes to banking. If one person defaulted on a loan, then everyone will, and if one person deposits a bad check, everyone will do that, too. To mediate that risk, a policy or procedure is developed to make it impossible for it to ever happen, with anyone. Now we’re waiting days to get access to a deposit, signing our life away when signing for a loan, and going through the ringer of security questions to answer a simple question about an account.

This thing is that the world hasn’t always operated this way. In fact, my grandfather would have never let me forget that. He used to talk about how things used to work, “back in the old days”. He would always say, all you needed was a “firm handshake and your word”. That was it. No signatures, no manager’s magic key, no silly policies. To him it was common sense, and it seemed so ridiculous that everything changed so much over the years. That begs the question of why was there such a dramatic shift? 

I would suppose it could be justified by the growth in our communities; it’s just impossible to know our neighbors and all of the people in our communities, like my grandfather’s generation did. And, I guess there have been people that have taken advantage of this system, causing some businesses a loss. But aren’t most people good people, like me and you? Aren’t most people going about their day doing the right thing—paying their bills on time, working hard at their jobs, and doing their best with what they have?

If you believe that, don’t you believe it’s possible to turn back the clock on the way we do things? Just imagine it for a moment. Teachers might able to spend more time making all the good students great. The department store clerk might actually give you cash back for the jeans that just didn’t fit right when you got home. Your bank might actually treat your money like it’s yours, not theirs. No more demanding to talk to a supervisor. No more worries about the fine print. And, the list could go on.

At Affinity Plus, we believe this revolution is possible. Do you? What changes would we need to make in our own behaviors to actually have it happen?