What do you mean you don't imagine Skyrim as a place with banks?
Alaska has banks for crying out loud!
Listen friend, magnitude of your skill in comparing things is quite low. "Alaska has banks?"
It isn't that hard to portray a cold, harsh world of the Past and its inhabitants, brave hairy people that look as if they were made out of stone, would stand almost naked in front icy mountain and FIGHT DRAGONS!!! YES! DRAGONS!!! Their battle cry compares to a stormy wind. World wide know Warriors!
... and then they go to... a bank? :shakehead:
Traders is all right of course and is a must! But bank... to me it does ruins the feel of the adventure that world is trying to accomplish, trough its civilization (not level of one, but way of hierarchy in its things).
Hope I gave you some clues, then again it is my opinion and MY own.
ps. forgive my English if there were mistakes.