I don't see why we need a bank, but a loan shark would be interesting. If you don't pay in time you get "warned" by the loan collector and lose an amount of mood and health for every 30 minutes late. Plus interest is added on your loan.
It could be related to the Rook.
I think they are funny. Also in the future there will be more uses for permits such as the Building Permits to add onto your home (which you can get now but are only used for projects at this time) possibly for businesses and groups.later....