A boy purchased a book from a bookkeeper and gave him $100.
The cost of the book is $50 but the bookkeeper has no change, so he gets the change from the next shop and returns the boy his $50.
After some time the next shopkeeper came with the $100 note and told the bookkeeper that the note was a fraud, so he took the money back.
A Miser man decided to go on a vacation for a month. He goes to the bank and asks for a trip loan of $500. The bank officer asks the man that the loan can only be approved when he mortgage some valuable thing at the bank. Miser man mortgages his only car whose worth was a whopping $80000. The Bank officer laughed at him and approve the loan instantly. After vacation when the miser man returns, the bank officer asked him "Are you an idiot, why is your mortgage such an expensive car for such a short loan?".
Miser man replied with some reason and the bank officer agreed that the miser man is actually not an idiot.
What did miser man reply to the bank loan officer?.