That idea would be fine if it wasn't for the fact this is a game made for 12 years olds and up. You give a kid a game all clouded with too many adult things - things that actually give their parent headaches and you lose an entire sector of the starting players for this game. Number one - sims don't get mortgages - they either have the money to buy the house or don't get the house - and the same went for the businesses when we had Open For Business. In fact few kids even enjoyed that ep - it was more something the adults who played the game enjoyed. Sims for adults - much of that may be fun for some - but it is way over the head of many kids - and lets face it - when kids play a game they want to have fun - not do everything an adult in real life has to do and contend with.
There are tons of things I had to learn in school or college in real life to make my life as a real adult less scattered - but I can tell you that when I was 12 or even 14 - I would never have picked a book to read, a movie to see, or definitely a game to play and talk about with my friends based on finances and financial institution. It is akin to watching paint dry.
I write for children - and there are somethings an editor would tell you - is not to focus on the very thing you are wanting in the game in a story or you will lose the readers. Kids just want to play AT being adults not actually be an adult with that kind of responsibility or even thoughts about it put into their heads.
I know even though some of OFB was fun - overall I was annoyed playing with any of the offered Businesses because I didn't seem to get anything else done in the game, just trying to turn that business into a success. That - to me was not fun after about a week. It was a great option for the Seniors in the game when they really had a lot less living to do, as we know Sims 2 didn't give seniors much of a life - so that worked well to have a little bakery or Mom and POP store - but even my eyes would have glassed over after a really short time if all that was clothed in the real world of business and finances.
That sound like the kind of Life Simulation game YOU need and not the sims or typical sims player. But before loans and banking and stock market - you first need a game that needs that stuff - and you also need a game not aimed at half the players being 12 and up.
There is not a thing in this game that any of that would benefit. As no one gets a mortgage or a car loan or anything else that would require it. Sims don't buy any kind of insurance, don't have taxes or tax audits - just nothing about that side of life has ever been a part of the Sims and I cannot see it ever being a good selling point but maybe 1 out of 2500 players who maybe next generations Tax consultants or accountants - might say yes - gotta have that.
No offense, but not a good idea for the audience this game is intended or anything about the way this game is meant to work.
