I always wanted my sims to have individual accounts. That way a teen with a part job could set aside money for moving out. Or parents could save up for a vacation etc. Also wanted a bank loan feature. Interest could be high just to keep the game challenge of not getting it all from the day you move out.
It would also be fun with some sort of risky investments, like buying stocks or at least participating in a lottery. I created my own hood lottery and moneytransfer system back in TS2, but have paid less attention to my sims' cash account lately. Instead I give each sim a number to indicate "financial status" and give them pretty free access to money within their "level". They need to marry rich to climb, LOL
