4 sims games and still no bank or banking system?

I think a bank makes since. I used a couple of mods in the past in order to get a loan for a sim or to have a rich sim write a check to a poor sim. It's just a missing part of relationship interaction that one can't lend or give funds to another. Like I have parents who are very wealthy and my game born sims should be able to get a little money from a parent. It is necessary obviously or we would not be using these sort of mods so often and or be "pretending" in order to make a way for sims who need some help to get it. I have used mother lode but it takes away from my game play since I like when sims earn a life. However, right now my sims lights are off. She works! I'd like to have a bank to get a loan from on the computer or have her dad write a check. Just putting my 2 cents in.