#3 Mr. Kennedy
Many people might have forgotten that Mr. Kennedy had won the Money in the Bank at WrestleMania 23 by defeating Edge, Jeff Hardy, CM Punk, King Booker, Finlay, Matt Hardy and Randy Orton. He stayed as Mr. Money in the Bank for 36 nights only to lose the contract due to an unfortunate injury. Thus, Mr. Kennedy was never able to cash in his contract
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Kennedy gave his contract to Edge and the Rated-R superstar wasted no time in cashing it in as he became the World Heavy Champion by defeating The Undertaker the following night.
Till date, Kennedy remains to be the only Money in the Bank winner who had to give up his right due to an injury.