He sounded very hassled. His daughter-in-law was unwell; the son was too busy with school going children; and he was hungry and did not know how to cook. When I popped in, on my way to the bank, he left the house with me to update his passbook. This 76-year-old held a balance of Rs 2.3 lakh in his savings account. Wouldn’t it have been easy to order food for the entire family and himself with the money jingling in his used account?