wonderful life movie real life finances economy

It's Our Wonderful Life

It's a good thing that "It's A Wonderful Life" ends when it does. (Spoiler alert!)
After all, the bank examiners might come back after Christmas--in fact, they should. What happened to that bank money?
The bank examiners saw the community giving money to Jimmy Stewart; that's not the same thing as having money in the bank. In fact, it was a public pay-off.
Banks can't operate like that, current evidence to the contrary.