Why hasn’t anyone thought of having a bank? Available at T3 we could transfer funds to a specifically modified Vault, or a Vault with only gold in it, and obtain interest. The Traders already have price rises and falls, a bank can raise interest rates or lower them based on how much spending a player does.
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I do agree that someday the vault should upgrade; a bank would be a cool T3 or T4 option. I think at T2 or T3 also it probably should be the building where city guards could be hired and the murdering drunks (ugh!) could be jailed as part of a justice system to deal with that ongoing pain point.
Maybe it starts out as a vault, upgrades to a jail, upgrades again to a bank that conveys trader/market/pub/tax benefits and offers more gold storage. Though vault > jail > bank feels like a weird progression it’s actually not historically too far off. Maybe it could have two upgrade options depending which one you still need, I dunno. Would be a fun thing.
I also think the bank upgrade could shorten building times and farm development town-wide, because IRL that’s actually the main “job” banks do.