I support, except for the Stock idea. You can gain millions on the stock easily, without doing anything really. I really think that it is a good thing, that you have to keep your own records on it. Makes me feel more like I really do something for the TU and earn it with some work invested. It is really not so hard to keep records in my opinion, those who want to play Stock Market should be able to do at least that much.
Edit: As for the bank idea, I do not see anything wrong with some interest there. The bank deion currently says: "Welcome to the Reiflem Bank! You may store your tu here in exchange for interest and protection." But there is no interest at all. So either the text should be changed or interest added.