Morally Bankrupt?

Did you hear about the Georgia bank that made a horrible mistake and deposited $31,000 into the wrong account?  Turns out there were two patrons of the financial institution with the same name.  After a man made the deposit, he happened to check his account for something around 10 days later and noticed his money was not credited.

It didn't take the teenager with the same name nearly as long to discover that he had an additional $31,000 in his account.  He blew through the funds pretty quickly, withdrawing $20,000 cash immediately and racking up $5,000 in debit card purchases.

When he came into the bank to attempt another withdrawal, they informed him of the mistake and he claimed he had received an inheritance.  They froze his account.  He has yet to return the money and the bank is threatening to slap a lawsuit on him.  What a mess.

And what a statement for this 18-year-old.  Is he morally bankrupt to know that something was not right, when he had $31,000 extra show up in his account and he spent it?  And what about the bank teller that made the mistake?  How does that happen in this day and age of ID checking and account numbers?  What are your thoughts?  Drop us an email.