Gotta keep that inner city property value inflated enough to keep the boomers in a prestige class somehow.

(This is the actual reason the governor of NY and a bunch of city higher ups made shady deals with CEOs to keep the property value up)

Also gotta incentivize illegal banking through social pressure and less online monitoring some how.

(This is also true work from home during covid almost completely stopped bank fraud and the banks competing sold the fraud as an advantage from the companies that kept employees at home)