The old saying holds. Owe your banker £1000 and you are at his mercy; owe him £1 million and the position is reversed." - Meaning and context.">
"Overseas Financial Policy in Stage III" (memorandum circulated to the UK War Cabinet on 15 May 1945), published in Moggridge, Donald, ed. (1979), The Collected Writings of John Maynard Keynes: Volume XXIV: Activities 1944-1946, page: 258, place: London, publisher: Macmillan, ISBN: 0-333-12674-2
• If you owe your bank manager a thousand pounds, you are at his mercy. If you owe him a million pounds, he is at your mercy.
 • Variant reported in Time magazine, Monday, Feb. 17, 1947
If you owe your bank a hundred pounds, you have a problem. But if you owe a million, it has.
 • As quoted in The Economist (13 February 1982), p. 11

The old saying holds. Owe your banker £1000 and you are at his mercy; owe him £1 million and the position is reversed.

— John Maynard Keynes

What It Means

This is a placeholder explanation generated by the low-overhead model. It interprets "The old saying holds. Owe your banker £1000 and you are at his mercy; owe him £1 million and the position is reversed." in the context of ""Overseas Financial Policy in Stage III" (memorandum circulated to the UK War Cabinet on 15 May 1945), published in Moggridge, Donald, ed. (1979), The Collected Writings of John Maynard Keynes: Volume XXIV: Activities 1944-1946, page: 258, place: London, publisher: Macmillan, ISBN: 0-333-12674-2
• If you owe your bank manager a thousand pounds, you are at his mercy. If you owe him a million pounds, he is at your mercy.
 • Variant reported in Time magazine, Monday, Feb. 17, 1947
If you owe your bank a hundred pounds, you have a problem. But if you owe a million, it has.
 • As quoted in The Economist (13 February 1982), p. 11" to mean that wisdom is timeless.

Source: Wikiquote: "John Maynard Keynes" (Quotes, 1940s) The 'What it means' explanation text was generated by Google Gemini Flash (accessed January 18, 2026). https://gemini.google.com/app
John Maynard Keynes

About John Maynard Keynes

John Maynard Keynes, 1st Baron Keynes of Tilton (5 June 1883 – 21 April 1946) was a British economist whose ideas, known as Keynesian economics, had a major impact on modern economic and political theory and on many governments' fiscal policies.