Bank employee: "Can I help you, sir?" "I'm going to take the liberty of using the safe deposit box." "A safe deposit box? We're not going to let..." Bank saleswoman (who knows me reasonably well): "MR MCKENZIE! SO GREAT TO SEE YOU AGAIN! DOUBTLESS YOU ARE HERE FOR YOUR BOX."
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The reason for the rule-rule is avoiding AML issues and operational risk for the bank (the bank really, really does not want you to put cash or gold in the safe deposit box and then e.g. give the key to someone else). For non-rule rule: boxes are scarce and high perceived value.
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(This is mostly because of the premium on retail footprints in expensive neighborhoods of Tokyo and, secondarily, because the boxes are effectively loss leaders, so the bank has minimal incentive to have anywhere near the number of boxes it would take to cover customer base.)
End of conversation
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