[frost]

These types of plugins work best in serious economy servers where you could limit your potential profits but guarantee a steady interest rate from the bank or choose to maximize the potential profit by having more money for investing/hiring. That way banks have a pro, con and middle ground to them (I think that's how it works on the economy server I visited a while ago). Might be the only real benefit to having a bank plugin. They don't fit in at all on survival servers where you can only profit from banks with no real drawback.