Before the 1970s, banks were banks. They did what banks were supposed to do in a state capitalist economy: they took unused funds from your bank account, for example, and transferred them to some potentially useful purpose like helping a family buy a home or send a kid to college.
You can't mess around with young readers - you have to cut straight to the heart of the story. The character can be complex, the plot can have some surprises, but the emotions have to be clear.
I would never do anything just for spite.
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