Laundering: I'd Like My Billion Dollars Now

As is commonly agreed upon among the be-pantsed social orders, all of us find cash that we left in our other pants- or purse, shirt pocket or jacket, as the case may be.  Let us say with speculative guess authority that the average person has $15 tucked accidentally somewhere in the crease of the fold of something that they were sure was just here but is, in fact, there. In America alone, that adds up to 4.5 Billion dollars, worldwide, let's say on the order of $45 Billion.

Simple: I propose institutional lending against the money left in one's other pants.