😎 And here is the clincher. Take a look (below) at what the Hill family thought was most important about the man, John Sprunt Hill, on his State Historical Marker. John Sprunt Hill was a shrewd banker first, without question - nobody's fool! - and a highly skilled attorney, who well understood the legal and business purpose distinctions between a bank and a credit union!
✅ "John Sprunt Hill (1869-1961) Banker and attorney. Leader in credit union movement..."
... and a distinguished citizen of North Carolina who understood: "There is a Difference"... and was proud to be the leading force in bringing that difference to North Carolina. Nobody's fool!
And, if you believe that John Sprunt Hill was attempting to set up credit unions in North Carolina to compete against his bank, then 1) you miss the clear evidence that he was nobody's fool... and it's pretty evident that 2) you may be somebody's fool.