The personal element can be reinforced by getting, in the words of the customary expression, "someone to go your security," that is, getting more "names" on the paper to evidence the credit; the purpose of these indorsements is to divide the risks. Synchronous complete failures of all the indorsers are, by the law of chance, very unlikely. Hence the security of the credit becomes as strong as the ability, joint and several, of the indorsers to pay, but no stronger.

The personal element can also be reinforced by getting some party who is better known, stronger in wealth and connection, and with good financial record, to substitute as debtor. The practice of issuing and using letters of credit is based upon this idea. A New York bank makes arrangements with an English bank whereby the latter agrees to accept bills drawn on it by a Brazilian exporter; otherwise the New York importer would have to be drawn on and the Brazilian could get from the Rio de Janeiro bank but a very low price for the bill as compared with one drawn on the English bank. This substitution of debtor constitutes the fundamental difference between the bank acceptance and the trade acceptance.