In ATM it is always better if only single person is allowed unless it has more than one ATM machine. It is irritating if you are taking out money ans someone is just behind you.
About going Crores of rupees in the name of loan, is something is very serious issue. It involved many people and not only bank people which influence bank to provide such huge amount.
The fact that the law abiding , honest , harmless, peace loving people have to suffer and live always scared sacred because of some very minor number of criminal minded, anti-social or anti-national are present - is really a sorry state of affairs.
A situation should come that only the criminals and anti-social and anti-nationals only should be scared.
Let me narrate a truth now. Years ago, currency notes were stitched by thread. Notes in hundreds were stitched by thick thread. The notes had holes and used to get torn easily. Then came the orders on 'clean note policy'. Currency should not be stitched henceforth. There were lot of apprehensions among the bank staff and public. But it is a pleasant fact that no one lost even a rupee because of such a reform. Generally people are honest. So banks (and other organisations) can try keeping even pens untied. Initially there will be some small losses. But gradually people will get habituated and will replace the pen in its place after use.
The awareness about surveillance camera have made a change already.
As a matter of fact, in such cases, instead of the banks, the common people of India are being looted by a gang of persons which includes bank officials. The losses of the banks are recovered from the common man by imposing a cess or increasing the tax rate.
Such frauds cannot be committed without connivance of the bank officials.
Let us encourage each other in sharing knowledge.
'Idhuvum Kadandhu Pogum "
Even this challenging situation would ease
But when we look at loans, that too big amounts, It would be hidden from the public, what is hidden is as good as forgotten hence such huge scams happen, the banks and we are losing the money. If the banks were to display the crores of loans given in the notice board, website or papers, such scams cannot happen, even if it starts, someone will have the common sense to question why?