[V3 Bank/Economy] Fix #1404 and an issue with [p]bank reset (#1407)

* [V3 Bank] fix an issue with checks

* [V3 Economy] fix issues with [p]bank reset

redbot/cogs/bank/bank.py

@@ -1,3 +1,5 @@
+import discord
+
 from redbot.core import checks, bank
 from redbot.core.i18n import CogI18n
 from discord.ext import commands
@@ -17,6 +19,8 @@ def check_global_setting_guildowner():
         if await ctx.bot.is_owner(author):
             return True
         if not await bank.is_global():
+            if not isinstance(ctx.channel, discord.abc.GuildChannel):
+                return False
             permissions = ctx.channel.permissions_for(author)
             return author == ctx.guild.owner or permissions.administrator
 
@@ -33,6 +37,8 @@ def check_global_setting_admin():
         if await ctx.bot.is_owner(author):
             return True
         if not await bank.is_global():
+            if not isinstance(ctx.channel, discord.abc.GuildChannel):
+                return False
             permissions = ctx.channel.permissions_for(author)
             is_guild_owner = author == ctx.guild.owner
             admin_role = await ctx.bot.db.guild(ctx.guild).admin_role()

redbot/cogs/economy/economy.py

@@ -216,16 +216,7 @@ class Economy:
                 )
             )
         else:
-            if await bank.is_global():
+            await bank.wipe_bank()
-                # Bank being global means that the check would cause only
-                # the owner and any co-owners to be able to run the command
-                # so if we're in the function, it's safe to assume that the
-                # author is authorized to use owner-only commands
-                user = ctx.author
-            else:
-                user = ctx.guild.owner
-            success = await bank.wipe_bank()
-            if success:
             await ctx.send(_("All bank accounts of this guild have been "
                              "deleted."))