---
title: Isla's friend says, "People without bank accounts are just lazy." Wh… — A bank account and a debit card · tree and pragmatics
description: Isla's friend says, "People without bank accounts are just lazy." What's a fairer answer? Test 10 of lesson 26 «A bank account and a debit card» of the money course of Mova's primary school, with the dependency tree and pragmatics of the question and of each option; Mova's choice was right.
---

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# Test 10 · A bank account and a debit card

<!-- .ven lang=en -->
Isla's friend says, "People without bank accounts are just lazy." What's a fairer answer?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 1 · right ✓ · **Who acts:** friend, People, fairer answer · **What happens:** say, be · **Speech:** someone speaks here

<!-- .vabout -->
This is test 10 of lesson 26 «A bank account and a debit card» of the money course of Mova's primary school. The page gives the question's syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause, then the 4 options as the student saw them, each with its tree and pragmatics. Every text is parsed by Mova itself. How the student answered it, with the score of every option and why: [the test at school](https://md.mova.elamur.ai/free/en/school-run/money/26-a-bank-account-and-a-debit-card/#t10).

## The question {#question}

<!-- .note -->
*Sentence 1:* Isla's friend says, "People without bank accounts are just lazy."

```conllu
# sent_id = question:money:26-a-bank-account-and-a-debit-card:t10:1
# text = Isla's friend says, "People without bank accounts are just lazy."
1	Isla	Isla	PROPN	NNP	Number=Sing	3	nmod:poss	_	SpaceAfter=No
2	's	's	PART	POS	_	1	case	_	_
3	friend	friend	NOUN	NN	Number=Sing	4	nsubj	_	_
4	says	say	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	SpaceAfter=No
5	,	,	PUNCT	,	_	13	punct	_	_
6	"	"	PUNCT	``	_	13	punct	_	SpaceAfter=No
7	People	people	NOUN	NNS	Number=Plur	13	nsubj	_	_
8	without	without	ADP	IN	_	10	case	_	_
9	bank	bank	NOUN	NN	Number=Sing	10	compound	_	_
10	accounts	account	NOUN	NNS	Number=Plur	7	nmod	_	_
11	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	13	cop	_	_
12	just	just	ADV	RB	_	13	advmod	_	_
13	lazy	lazy	ADJ	JJ	Degree=Pos	4	ccomp	_	SpaceAfter=No
14	.	.	PUNCT	.	_	13	punct	_	SpaceAfter=No
15	"	"	PUNCT	''	_	13	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **say** *speech: assert* | present | Isla's friend |  |  |  |  |  | vn say-37.7-1-1 «NP V that S»: agent=Agent |
| 2 | **is** *in a quote* | present | People without bank accounts |  |  |  |  | lazy *property* | tree rules |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

<!-- .note -->
*Sentence 2:* What's a fairer answer?

```conllu
# sent_id = question:money:26-a-bank-account-and-a-debit-card:t10:2
# text = What's a fairer answer?
1	What	what	PRON	WP	PronType=Int	0	root	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	1	cop	_	_
3	a	a	DET	DT	Definite=Ind|PronType=Art	5	det	_	_
4	fairer	fair	ADJ	JJR	Degree=Cmp	5	amod	_	_
5	answer	answer	NOUN	NN	Number=Sing	1	nsubj	_	SpaceAfter=No
6	?	?	PUNCT	.	_	1	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is a** | present | a fairer answer |  |  |  |  |  | tree rules |

## The options {#options}

### Option 1 · ← Mova's choice · ✓ the right answer {#o1}

<!-- .ven lang=en -->
Some find it hard to open one, for example without ID or an address

<!-- fold The tree, 14 words -->
```conllu
# sent_id = question:money:26-a-bank-account-and-a-debit-card:t10:o1:1
# text = Some find it hard to open one, for example without ID or an address
1	Some	some	DET	DT	PronType=Ind	2	nsubj	_	_
2	find	find	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	obj	_	_
4	hard	hard	ADJ	JJ	Degree=Pos	2	xcomp	_	_
5	to	to	PART	TO	_	6	mark	_	_
6	open	open	VERB	VB	VerbForm=Inf	4	xcomp	_	_
7	one	one	NUM	CD	NumForm=Word|NumType=Card	6	obj	_	SpaceAfter=No
8	,	,	PUNCT	,	_	10	punct	_	_
9	for	for	ADP	IN	_	10	case	_	_
10	example	example	NOUN	NN	Number=Sing	6	obl	_	_
11	without	without	ADP	IN	_	12	case	_	_
12	ID	id	NOUN	NN	Number=Sing	6	obl	_	_
13	or	or	CCONJ	CC	_	15	cc	_	_
14	an	a	DET	DT	Definite=Ind|PronType=Art	15	det	_	_
15	address	address	NOUN	NN	Number=Sing	12	conj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **find** | present | Some | it |  |  |  | hard *property* | vn discover-84 «NP V NP»: agent=Agent it=Topic |
| 2 | **open** | to-infinitive |  | one |  |  |  | for example; without ID or a address | vn spatial\_configuration-47.6-1 «PP.location V NP»: agent=Location one=Theme |

### Option 2 {#o2}

<!-- .ven lang=en -->
Everyone in the UK has an account, so it's not true

```conllu
# sent_id = question:money:26-a-bank-account-and-a-debit-card:t10:o2:1
# text = Everyone in the UK has an account, so it's not true
1	Everyone	everyone	PRON	NN	Number=Sing|PronType=Tot	5	nsubj	_	_
2	in	in	ADP	IN	_	4	case	_	_
3	the	the	DET	DT	Definite=Def|PronType=Art	4	det	_	_
4	UK	UK	PROPN	NNP	Number=Sing	1	nmod	_	_
5	has	have	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
6	an	a	DET	DT	Definite=Ind|PronType=Art	7	det	_	_
7	account	account	NOUN	NN	Number=Sing	5	obj	_	SpaceAfter=No
8	,	,	PUNCT	,	_	13	punct	_	_
9	so	so	ADV	RB	_	13	advmod	_	_
10	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	13	nsubj	_	SpaceAfter=No
11	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	13	cop	_	_
12	not	not	PART	RB	Polarity=Neg	13	advmod	_	_
13	true	true	ADJ	JJ	Degree=Pos	5	parataxis	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **have** | present | Everyone | a account |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent account=Patient |
| 2 | **not** **is** | present | account |  |  |  |  | true *property* | tree rules |

### Option 3 {#o3}

<!-- .ven lang=en -->
Bank accounts are illegal for most families

```conllu
# sent_id = question:money:26-a-bank-account-and-a-debit-card:t10:o3:1
# text = Bank accounts are illegal for most families
1	Bank	bank	NOUN	NN	Number=Sing	2	compound	_	_
2	accounts	account	NOUN	NNS	Number=Plur	4	nsubj	_	_
3	are	be	AUX	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	4	cop	_	_
4	illegal	illegal	ADJ	JJ	Degree=Pos	0	root	_	_
5	for	for	ADP	IN	_	7	case	_	_
6	most	most	ADJ	JJS	Degree=Sup	7	amod	_	_
7	families	family	NOUN	NNS	Number=Plur	4	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | Bank accounts |  |  |  |  | for most families; illegal *property* | tree rules |

### Option 4 {#o4}

<!-- .ven lang=en -->
She's right, it only takes laziness to have none

```conllu
# sent_id = question:money:26-a-bank-account-and-a-debit-card:t10:o4:1
# text = She's right, it only takes laziness to have none
1	She	she	PRON	PRP	Case=Nom|Gender=Fem|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	SpaceAfter=No
2	's	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	cop	_	_
3	right	right	ADJ	JJ	Degree=Pos	0	root	_	SpaceAfter=No
4	,	,	PUNCT	,	_	7	punct	_	_
5	it	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	7	nsubj	_	_
6	only	only	ADV	RB	_	7	advmod	_	_
7	takes	take	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	conj	_	_
8	laziness	laziness	NOUN	NN	Number=Sing	7	obj	_	_
9	to	to	PART	TO	_	10	mark	_	_
10	have	have	VERB	VB	VerbForm=Inf	7	advcl	_	_
11	none	none	PRON	NN	PronType=Neg	10	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **is** | present | She |  |  |  |  | right *property* | tree rules |
| 2 | **take** | present | it | laziness |  |  |  |  | vn bring-11.3 «NP V NP»: agent=Agent laziness=Theme |
| 3 | **have** | to-infinitive |  | none |  |  |  |  | vn birth-28.2-1 «NP V NP»: agent=Agent none=Patient |

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**Text:** the tests of Mova's primary school, written for Mova (`world/data/school/`), as the course runner gave them to the student. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each text read on its own. Elamur Cosmic License.

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- ← previous: [A bank account and a debit card, test 9](https://md.mova.elamur.ai/free/en/corpora/questions/money/26-a-bank-account-and-a-debit-card/t9/)
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