The opinion
CANE, J.
(concurring). I would hold that the insurance policy is not “collateral” within the meaning of sec. 425.206, Stats. Collateral is defined in sec. '425.202, Stats., *317 as “goods subject to a security interest in favor of a merchant which secures a customer’s obligations under a consumer credit transaction.” [Emphasis supplied.] The term “goods” when used in the area of secured transactions “includes all things which are movable at the time the security interest attaches or which are fixtures . . . , but does not include money, documents, instruments, accounts, chattel paper . . . .” Section 409.-105, Stats. Although I do not approve of the bank’s unauthorized surrender of the insurance policy, Nelson’s remedy is not under sec. 425.206, Stats.