It's not your money once it's flown

It's been a weird week, financially speaking. First I get a call from the savings-and-loan outfit that handles my home mortgage. We have it set up so the monthly house payments come directly from a checking account.

The assistant mortgage manager says, "Mr. Memminger, I just want to let you know there was a little problem with your account."

"Didn't we cover the mortgage payment this month?" I asked.

"Sure," he said. "The problem is that we accidentally took out a little more from your account than was needed, about an extra thousand bucks."

I said, "No problem, just put it back or credit next month's payment"

He said, "Well, actually, Mr. Memminger, we've been thinking about getting some new furniture for the lobby, and your overpayment would sure help out in that department."

I said I wasn't interested in buying furniture for their lobby and for them to return my money.

He said, "The thing is, it's technically not your money now since we have it. And it would be for the greater good of the bank and all of our customers in general if we could just go ahead and use that overpayment to improve the bank's infrastructure."

I said, "You can stick your infrastructure. Give me my money back."

He said the matter would be taken up by the bank's board of directors. He hung up before I could protest.

... Had the world gone mad? Apparently, yes, because when I got home, I turned on the news and found out that the state had overcharged residents more than $763 million in taxes. Gov. Linda Lingle at least wanted to give $100 of that overcharge back to the taxpayers. After all, it was our money. But Calvin Say, speaker of the state House, said there were all kinds of things that overcharge could be spent on, and he didn't think any of it should be returned to the taxpayers.

I'm not sure what he wants to spend it on, but I think I heard something about lobby furniture, infrastructure, employee raises and some kind of air compressor. Apparently, when it comes to other people holding money that belongs to you, possession is more than nine-tenths of the law. Weird.