Sutherland's states that people have a greater tendency to deviate from societal norms when they frequently interact with individuals who are more favorable toward deviance than conformity.

Gif the public and community loses trust in banks it affects the entire u.s. financial system. in order to keep this type of financial contagion from happening, the fed makes as needed short-term emergency loans, by acting as the lender of last resort. guides and regulates private deposit insurance programs to cover insolvent bank losses. decreases the money supply as acting lender of last resort.