In the CYBER CHALLENGE VIGNETTE TWO video, the bank customer believes that the bank will refund them the missing money because they assume that the bank is responsible for unauthorized transactions on their account. This belief stems from the customer's understanding of the bank's duty to protect their account and funds. Previous learning suggests that banks have a legal obligation to protect their customers' funds and accounts from unauthorized access and transactions. This obligation is based on the principles of bailment and negligence. As a bailee, the bank is responsible for exercising reasonable care to safeguard the customer's deposits. This includes implementing adequate security measures to prevent unauthorized access, promptly investigating suspicious activity, and promptly crediting customer accounts with any unauthorized withdrawals