While making a deposit at the bank the other day and realizing I didn’t have a pen in my pocket, I thought about stealing the pen on the deposit counter. This kind of little theft happens all the time, and we all do it. It’s like doing 51 in a 45 mph zone — we don’t really consider it wrong. So I thought, how much do banks spend in a year in replacing all the pens that all of us miscreants blithely walk away with? Is it more than banks lose to robberies?