A third of the world is covered by the howling maelstrom that was born a century ago. It is not ordinarily a place you'd find people surviving, but sometimes things appear in it. Strange things - otherworldly things - brought into the mist of a howling storm of cloudy dust and wind that blows in whichever direction it wants.
This person isn't getting paid for a week and wants to buy something now. Lucien directs him to one of the richer merchants who might be able to offer a loan.
This pair is having a screaming match about how much is a reasonable price for a particular wine - Lucien tells the customer it's not up to them and the seller to have the guy removed if he keeps doing this rather than yelling back.
She's stopped carrying her everything since it broke and the wax tablet's too big so she's got it in her arm. Nothing in her pocket at all. "Nobody's got loans as a central business scheme, just a side thing?"
"Yeah, no ones good enough at it to have it be their main thing. I considered starting a bank that did that but I've sort of got caught up in all the other things that need doing."
"Huh. This town isn't very big but it's not a minuscule village, I really would've expected a bank."
"I don't think people are good at handling the risk without resorting to threats of violence, and there are usually more profitable options available if you can credibly threaten violence."