n4 The majority clearly err in suggesting that the debtor in this case "voluntarily relinquished the protection of the security-first rule" (see maj. opn., ante, p. 1005) or engaged in "gamesmanship" (see maj. opn., ante, p. 1005) when, after the bank improperly exercised a setoff against the debtor's nonsecured funds, the debtor accepted reconveyance of the security but continued to assert that the bank had lost its right to pursue the remainder of the secured debt.