Don't be so quick to claim the moral high ground...
Then you have clearly forgotten the American tw4t (in Korat I believe) who went off on an anti-Covid rant - embarrassing himself and his country.
There are many other examples if you need them.
Correct.
I am also sure that you recognise the stupidity of taking funds out of PSB's into a current account (losing only month's prize draw if you time it right) just to put the same money back again once the statement has been produced. I really don't like doing things that are unnecessary and pointless.