Originally Posted by TED74

Sailing, perhaps I can provide an example, since I agree with you.

My buddy's wife Cherry is a stripper. She just got a new job at a new establishment, and makes a $10/hr base rate. After her introductory week, she'll go to $20/hr the next week. Her friend Jugs got hired at the same time, by the same establishment. Conveniently, this establishment has a bank system.

Flash forward two weeks. Cherry didn't use the bank but Jugs did. Cherry worked 10 hours each week (20 total), made $300, and averaged $15/hour.

Jugs worked 11 hours the first week and banked an hour...so she was paid for 10. The second week, she cashed an hour in, working only 9 but getting paid for 10.

Both girls worked 20 hours, got paid $300 (plus tips), and averaged $15/hr.

Notably, Jugs worked more when she had WORSE seniority, and less after she had moved up the totem pole (among others).

I'm missing a lot...but anything germane to the banking discussion?