Wrong! You've been tricked. When you sat across from the bank loan officer for that $10,000 loan - your credit check said you were a good "risk" - He slid that piece-of-paper/promissory-note across the desk for you to sign. If you didn't sign the piece of paper, would it have value? If you sign it, does it have value? When does the banker give you the $10,000? Only after you sign the paper, right? After you sign, you give him the thing of value as a loan, and he pays it off by giving you $10,000 cash/bank-check in return. "Top Secret Bankers Manual By Thomas Schauf" - https://archive.org/stream/TopSecretBankersManualByThomasSchauf/Top-Secret-Bankers-Manual-by-Thomas-Schauf-Copyright-2002_djvu.txt. Google "Thomas Schauf."