If characters can easily get money from the bank, then it will result in a early powerboost in the game, by buying weapons, mules etc
And i think that a bank should be no part of the game:)
Just because a bank loans money, doesn't mean its easy… to pay back. There are high interest loans. In Talisman, maybe the bank really does break your legs if you don't pay back. We have a turn cycle, day/night. If not that, some way of tracking the time to pay back a loan and an immediate consequence if you don't in time - the Sheriff or similar.
I guess its a fantasy, so banks/loans shouldn't be a the main thing, but hey, having a City, at all, implies business and commerce of some sort. Do all those people in the City go out and find gold to pay for their livelihoods?
without getting too "real", they say 2 things make the world go round - -
Money and sex (but in what order, is the oft heard retort).
Which is more likely to be represented in this game? Give me a bank or give me a brothel! (I'm kidding Velhart!)