This is a idea from another HM site for money so people can keep track

You would start a forum saying bank then people would post there bank account Ex.

Jiro's bank account

Then They would post what money they had and add and subtract if needed. EX

2000g
-500g for extra room
________
1500g
+ 20g for foraging
______
1480g

this way you know if people when they buy something you know if they have the money and they can keep track of money easily

If you dont understand I can try and explain it better :D

I'm really sorry,
but EVERY hm RPG has a money system.
However,
This one WILL not have a bank, as of yet anyway,
and everyone will have their money with them.

How realistic is it to go to the bank to withdraw (magically at that) 5G to have a coup of coffee?

It will be in the character profile...
but if anyone would LIKE a bank, to do loans and stuff, you can let me know.

The bank idea is kinda too hard for the people to keep track of and anyway it is supposed to be a harvest moon rpg so it shouldn't have banks.

whether or not it is harvest moon shouldn't really matter, in HM3 (GBC) they had a bank ^_^

Yeah,
If we have a bank,
We won't have the normal "Harvest moon" effects.
That's my opinion but I think that's what has been said!