We're heading into Memorial Day weekend, and there's no better time to reflect on the nature of our work than on days when we are actually not working.

This long weekend it's important to remember that options are important.

As advocates for both the free market in principle and the trades in particular, most of us here at HousingWire – and by that I mean me – look with a hefty dose of skepticism at populism. Especially directed at banks.

Yes, there are plenty of bankers out there who should be breaking rocks at Supermax or whatever.

They committed fraud and other crimes.

They're currently employed at -- and in some cases running -- the TBTFs.

But the populists and occupy types think all bankers are like this.

And they think all bank customers are, well, click below.

Meh, I say.

Look, dealing with a bank for a mortgage or business loan or a credit card can be complicated.

But at some point everyone has to remember that no one dragged them into that bank with a gun to their head.

Unless you bank in Gotham City.

At some point, customers have to take responsibility, too.

That said, there is a lesson for both our honest banker friends as well as the less-scrupulous banksters hiding among them.

Charles Arthur “Pretty Boy” Floyd was a notorious criminal and bank robber in the 1920s and 1930s in the Midwest. He had a good run for more than a dozen years before he was gunned down by Hoover’s G-men in 1934.

Pretty Boy also had another nickname, and it’s why he was able to evade the feds for so long – “the Robin Hood of Cookson Hills.”

He earned that because every time he robbed a bank, he made a point – publicly – to also destroy all the mortgage documents at the bank.

With the spark of a Zippo, he would have a dozen welcoming safe houses, owned free and clear by newly debt-free bank customers. (Apparently banks in the 1920s weren’t using cloud technology for backup.)

So there you have it – call it trivia, call it a lesson or call it what I do.

No matter what, have a Plan B.