The majority of businesses are banks I see in this game. This also is ridiculous as there isn't an FDIC insurance fallback. With a vast majority of people playing criminals or that will have a criminal tendency (ie. bankers siphoning funds) the ability to protect money is limited. Unless the game designers have some sort of insurance against loss this banking institute is a mute point in this game.
Unless these factors come into play:
Death is permanent
Jail is based on court rulings (ie real life 1 year, 6 month, 3 months of game time)
Otherwise, this game will just be about making drugs, selling drugs, hookers, murder and everything else second life is now.