Richard Boyd Barrett (Dún Laoghaire, People Before Profit Alliance) | Oireachtas source

Okay. I will catch up with a full understanding of it. The reason, in authorised versus unauthorised payments, banks do not automatically make the reimbursement is because they are in a way saying that there is a bit of culpability on the part of the person because they did authorise the payment, even if the person was defrauded and they did it believing this, that or the other. Is that the case?