A recent case, In re Kowalczyk, affirms that money bonds are unfair, harmful, and make communities less safe. by Sarah Staudt, May 27, 2026 In January 2021, Gerald Kowalczyk, a disabled man experiencing homelessness, found a credit card on the ground in San Mateo, California. He attempted to use the credit card to buy a $7 hamburger, then had a change of heart, asked for a refund, and when the manager refused, left without the hamburger.