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Despite being highly regulated in the U.S., banks take little to no legal responsibility for the contents of their safe deposit boxes. If popular heist films like “Ocean’s Eleven” aren’t enough warning, here’s a depressingly real anecdote: A few years ago, The New York Times told the story of Philip Poniz in “Safe Deposit Boxes Aren’t Safe.” For three decades, Poniz stashed valuables in one at a…