"If you owe the bank $100 that's your problem. If you owe the bank $100 million, that's the bank's problem." - J. P. Getty

> As they say: if you owe your banker one million dollars, you have him by the balls. If you owe your banker one billion dollars, you have him by the balls.

I think you made a mistake. First sentence is supposed to be, "he has you by the balls."

Or the more PC version: If you owe your bank one million dollars, you have a problem, if you owe your bank one billion dollars, they have a problem.

That can't be what they say.