“If PNB can come after me for my ₹8,500 EMI every month, why did it not go after Nirav Modi for ₹11,000 crore?”

Like every scam, the ripoff by “diamantaire” Nirav Modi and his uncle Mehul Choksi, or as Narendra Modi affectionately calls him “Mehul bhai”, is following a familiar trajectory.

Upper-class chutzpah. Middle-class kvetching. World-class whataboutery. Third-class coverup. And Monday morning quarterbacking by the business media which, as usual, did not break this story.

Raids have taken place. Token arrests have now been made. Passports have been “suspended”. Ravi Shankar Prasad’s cavernous nostrils have enlarged. And Arun Jaitley’s know-it-all face has scowled, promising quick action.

Soon, it will all be forgotten—and we will have to return to the no-longer-mysterious “death” of Judge Loya. And the even more suspicious Rafale deal. 2019 is still some distance away; ‘bhakts’ can be assured of further discomfiture.

But we make it easier for the scamsters and their nationalist enablers by “moving on”.

Punjab National Bank is India’s second largest public sector bank after SBI. It received vigilance awards three years in a row. How could lowly clerks and managers have swung a scam of this scale without an OK from higher up?

My friend Lokesh of “Friends Men’s Parlour”—whose cricket insights beat Sunil Gavaskar, Ravi Shastri and Sanjay Manjrekar combined—took a Rs 10 lakh loan with an EMI of Rs 8,500.

He has a simple question for finance minister Arun Jaitley who is now vainly trying to pass the blame on to RBI and PNB’s top management: how come PNB starts calling me well before my EMI deadline?

Why didn’t they call ‘Chhota’ Modi?

Or Mehul bhai?

Moral of the story: You may deflect a bored middle-class’s attention but the salt of India’s earth, who have had their lives ruined by demonetisation and Aadhaar, won’t forget.