It's risk mitigation. Lending you 100 dollars is more risk than lending you 80 dollars. Is it a scam? Maybe. Can you tell the bank to fuck off with it? Not really.
No, it's usually for when your loan to value ratio is greater than 80%. It's basically protection for the bank for people who can't afford, or don't want to put 20% down on a house.
I use this. I like the fact that it's clear.
Amazon.com: Cambro 12189CW135, Polycarbonate Camwear Boxes, 4.75-Gallon, Clear: Lidded Home Storage Bins: Kitchen Dining
She didn't get a new face in the books yet, right? I'm pretty sure she's still in training, so hasn't earned the skill points to put into the "Multi-Face" talent yet.
Her texts and behavior for months following the alleged rape cast quite a bit of reasonable doubt on her accusation. Clearly it was enough for the school to dismiss any charges or disciplinary action against the accused. I guess the school was just going on the "Feels" system too.