Full-service banking

Just an idea for discussion, not a serious implementation proposal (yet):

The banks have all of our stuff in their vaults, so why not mortgage it as collateral for interest-bearing loans that relative newcomers could use to kick-start a profession or invest in a piece of equipment that will soon pay itself off? During the term of the loan, you can't withdraw more than you've borrowed (calculated from NPC prices plus an administrative fee proportional to the size of the loan plus clerical costs). If you don't pay back within the agreed timeframe, they empty your vault.

Maybe houses could be mortgaged for collateral as well though maybe the landed gentry wouldn't need loans anyway.

I imagine that numerous defaulting clients might add another layer of interesting complexity to resource or equipment supply.

Mortgages could also double as an educational opportunity for people who think that begging is an acceptable way to raise money.

I'm less in favor of fixed-term interest-bearing deposits because that would seem to overly benefit people who are already wealthy anyway. Just like in the real world.

I also have no idea what the banks would do with the money they make. At the moment they're really a warehousing system, not banks at all and I guess the bank fees go into salaries and the costs of storing all our perishable goods so they don't rot. Even wondered how they keep raw fish and meat in such good condition? That makes me wonder whether food and certain resources could be made perishable... lots of people would hate that but I'd find it more interesting to manage an inventory with perishables. Grinding for resources would be more strategic than the simple grind grind grind that it is now.