These events not only disrupt their livelihoods -- through loss of assets -- but also reduce their already limited access to basic social services, undermining their capacity to adapt to environmental shocks.
The bank, for its part, loses 0.5 ounces for every dollar redeemed at this rate, and this loss of assets causes the value of the dollar to fall still more.
Leaving aside the malicious employees, one should also not discount the impact of "miscellaneous errors," unintentional actions, or mistakes that compromise security, including loss of assets.