You are confusing "the bank crediting your account" and your bank "getting the money from the bank the check is drawn on".
  Banks do this for small amounts. ACH is still a batch process that can take a few days.

Here is guidance from the Federal Reserve regarding the CFPB regulation CC. In the OP's new account case, they can hold for 9 days There are additional concerns.

https://www.federalreserve.gov...

"Deposits into accounts of new customers (open for less than 30 days)--Next-day availability applies only to cash, electronic payments, and the first $5,525 of any other next-day items; the remaining amount from next-day items must be available by the ninth business day. You may choose any availability schedule for deposits of other checks into the accounts of these new customers."

I'm on BoA's side with this. What happened to you in your story SHOULD happen at any reputable bank.

If someone who opens a new account with a check and immediately wants to take out money from the new account that is funded only with that check is typically either a novice mimicking the classic path of a check kiting scam, or they're the victim of what is called a refund scam.
I am NOT saying that is what you were doing, I'm saying to the bank, this is what these common scams look like and they have rules to prevent it.

The fact that you don't seem to know this, nor that this would happen, and apparently needs a fraction of that check money but didn't have an account already with money makes you look to the bank like a dupe of a scam.

You're asking why the ownership class in a capitalist system gives itself most of the money.

It's the accountability I wonder about.
As I understand it, officers in the Army Reserve are subject to the Uniform Code of Military Justice (UCMJ), and it does not matter if the behavior happened while off duty or not in uniform.
This means they can be demoted, fined or imprisoned for things such as "conduct unbecoming an officer", and it does not matter if the behavior happened while off duty or not in uniform.

The offense of “conduct unbecoming an officer and a gentleman” is based on the idea that officers are expected to possess certain moral attributes that make them fit to lead. For example, an officer who is dishonest, unfair in his treatment of others, indecent, indecorous, lawless, unjust, or cruel should not be leading our nation’s sons and daughters.

examples:
knowingly making a false official statement;
dishonorable failure to pay a debt; cheating on an exam;
opening and reading a letter of another without authority;
using insulting or defamatory language to another officer in that officer’s presence or about that officer to other military persons;
being drunk and disorderly in a public place;
public association with known prostitutes;
committing or attempting to commit a crime involving moral turpitude;
and failing without good cause to support the officer’s family.

Are you calculating rotations through the timecube?
If not, then whatever is wrong!!!

Not sure what you're saying is illegal in Germany, but almost all eavesdropping is illegal there.
Police radio in Germany has been encrypted since many years ago as it is in Great Britain, France, and just about every modern country.

For most of them, they think they'll be able to easily procure and do drugs as much as they want anywhere with no interference.
Their lower brain system sees police as an obstacle to their doing whatever they need to do to release more dopamine, so they hate the police.
Probbaly also their parents for the same reason.

Or just record all sound on each endpoint before it's encrypted and transmitted and after it's received and decrypted.
Upload and store it when the officer ends his shift.
Dispatch would have it all, anyway.

I can see no benefit whatsoever in rubber-neckers, thrill seekers, and the idle curious hearing about accidents, school shootings, and disasters in real time.

Thank you.
This is what I meant when I said "The science is not relevant".

Not after Project 2025 and its stooge, DOGE, finishes cutting NOAA to pieces.

The science is not relevant.
The effects of global warming on the USA and Europe are not relevant to why there is a large and well funded movement against climate science.
Qui bono.

As for discerning fact from fiction, will people feel cheated, if their AI girlfriend turns out to actually be a clever middle-aged housewife picking up some extra cash while the kids are at school?

No, I'm not surprised that their default shutdown was actually coded something like "request tasks close, wait, and then shutdown" like every other OS shutdown out there. Have you never had to manually kill a hung task before the OS would terminate?

AI doesn't help with mixed martial arts either.
Or, more specifically, it doesn't help against opponents who learned MMA the old-fashioned way.

There is at least one HDD in Newport, Wales landfill that could be shredded.