Good for him! It is rather wonderful that he went out and bought things and gave his neighbours presents, rather than being cowed and frightened by finding the money in his account. We often discuss whether we are ready for abundance when it comes our way, because that is part of the equation, too.

I wonder: does the bank not have any responsibility for this at all? (When I say "bank" I mean the corporation, not any individual that may have made a user error). I also think the bank has more than enough reserves and insurances to cover any money he may have spent.

I'm sorry that in this unkind world he will be held responsible rather than the debt being wiped out.