They had also realized that , from a legal standpoint , neglecting to maintain a 100 percent reserve on demand deposits is a mortal sin and a crime - not of forgery , as is the case with the overissue of banknotes , but of misappropriation .

他们意识到，从法律的角度看，忽视对活期储蓄的100%准备金要求是道德上的罪恶和犯罪行为－不是伪造纸币，而是侵占挪用。