Well, it seems to me you have voiced rather well the theory that auditors should not bank with their employer. This practice also puts the line staff in an awkward position, do they cut the auditor some slack and cover the overdrafts in the hope of an easy audit, or do they throw the book at the auditor that overdrafts an account so that it appears they show no favoritism ? There are some areas that are better off outsourced, perhaps this is one in your particular case.
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Societies that do not find work in and of itself "pleasing to God and requisite to Man," tend to be highly corrupt.