LOL dude did you just discover IT'S A WONDERFUL LIFE like yesterday? That's the entire point. The *entire* point!https://twitter.com/Collider/status/1329122565458161667 …
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As both the bank owner and a board member of the savings & loan, he failed his fiduciary responsibility twice for his own personal gain.
Uncle Billy stole that money from Potter
Smug! Did you even see the movie?
Surely you are not unfamiliar with the legal principle “finders keepers” 
Uncle Billy literally handed the cash over to Mr. Potter!
I've always thought that Pottersville looked like it was a helluva lot more fun than Bedford Falls, but that just may be the recovering alcoholic in me.
Also, the Hollywood studio system with Harry Cohn , however mean-spirited, was socially defensible for making the best movies ever while Capra Liberty Films and his career would go down within 3 years because it lost money on a feel good movie like It's A Wonderful Life.
And Potterville was a small town that made the most free market economical decision to maximize the utility of its citizens. (In truth Potterville became Las Vegas.)
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