HELIODORUS, 56 years old, and his wife were forced to return home empty-handed. On Friday, June 19, the couple, who own a construction supplies store, went to a Bank Bukopin branch in Kelapa Gading, North Jakarta, hoping to return with Rp70 million. One of the store’s suppliers had just transferred the money to the couple’s account.

But Heliodorus’s hope to withdraw the money fell flat. Bukopin could not tend to withdrawals th