Neverdie has banks used to the full potential.
Banks are BEST used as a free order machine. Set loans that are 1 day, that are meant to fail. Buy items at 1-2% under MU, sell on auction/use/sell to big crafters/whatever the fuck. You MASSIVELY boost the economy by removing the option for lazy people to TT the crap as they can give it to you, they make more ped easily, with no fee, you make ped easily, no fee. Everyone wins. You will earn FAR MORE with this then using it as an actual bank.
Can even take ped from players and set orders for them, make it a service, charge for it.