Do banks lose more money to robbery or to stolen pens?

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?

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