How to say a banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain. in Japanese

1)銀行銀行(ginkou) (n,adj-no) bank家(ie) (n) house/residence/dwelling/family/household/lineage/family nameとはとは(toha) (prt) indicates word or phrase being defined、(、) Japanese comma日(nichi) (n-suf) day of month/counter for daysが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/andno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verbっているno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verb時に時に(tokini) (exp) by the way/incidentally/sometimes/occasionally人(nin) (suf) -ian/-er/man/person/peopleに(ni) (prt) indicates such things as location of person or thing, location of short-term action, etc.傘(kasa) (n) umbrella/parasolを(wo) (prt) indicates direct object of action/indicates subject of causative expression/indicates an area traversed/indicates time over which action takes place/indicates point of departure or separation of action/indicates object of desire, like, hate,貸し貸し(kashi) (n) loan/lending/favor/favour/debt of gratitude/creditor/method of lending/credit side、(、) Japanese comma雨(ame) (n) rainが(ga) (prt) indicates sentence subject/indicates possessive/but/however/still/and降り降り(ori) (n) giving up on winning a hand and discarding only safe tiles出し出し(dashi) (n) dashi/pretext/excuse/pretense/dupe/front manた(ta) (aux-v) indicate past completed or action/indicates light imperative途端途端(totan) (n) justに(ni) (prt) indicates such things as location of person or thing, location of short-term action, etc.返せno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verbと(to) (prt,conj) if/when/and/with/particle used for quoting/quoting particle/ promoted pawn/ indicates question言ってno dictionary result, likely a conjigated verbno dictionary result, likely a conjigated verbくるくる(kuru) (v5r,vt) to reel/to wind/to spin/to turn/to flip through/to leaf through/to consult/to refer to/to count/to open one-by-one/to close one-by-one連中連中(renchuu) (n) colleagues/company/a lot/those guys/troupe/companyであるである(dearu) (v5r-i) to be。(。) Japanese period "."    
ginkou ie toha 、 nichi ga shou tteiru tokini nin ni kasa wo kashi 、 ame ga ori dashi ta totan ni kaese to itsutte kuru renchuu dearu 。
Grammer form日常会話 (Casual form)Casual form (nichijoukaiwa)
everyday casual language, commonly used between friends and family.
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