It is "non player character", aka NPC.
Also I disagree.
Bank should be a separate structure, like a temple (which should be added too), that can be build instead of a house.
I'm more than glad if it is 2000, 3000 or even 8000g, but it should not require a keepspot attached to it to be usable. Maybe like stable, it should require a guildstone to be used by the guild.
But still not a keep-only thing.
'tis my five cuprums.
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