Killtech (the creator) brought up the antisemitism issue as part of the defense of the unhappiness...
Yes. Agreed with this. But this is not related to individual banks. This is a symptom of how regulated the banking industry is. When there is little regulation, there's "loan-sharks" people being given credit who shouldn't get it, etc. I also think that a lack of regulation and other government factors lead to inequality...Not having a bank!
Yes -- But I think this should be related to CIVIC choices. So if you chose a Corporatist civic, for instance, maybe the doctor's office gives health and unhappiness because of the cost. And maybe then the banking should give unhappiness because it's not being regulated.
I think we're overlooking the HUGE positives banks do for society -- they provide credit to allow for most small businesses (who can't have the cash set-aside to buy a lot of the materials they might need for day-to-day operations); they provide credit so people can afford to invest in homes; they provide security because people feel they have a safe place to put their money.
Of course, these benefits can be seriously degraded if there's little to no regulation. In the middle ages, there was little regulation--no wonder people thought negatively of banks! And the same is true (again!) in America as we've deregulated the banking industry to allow for the banks to do a lot of things they shouldn't (similar to the same issues that proceeded the stock market crash in 1929 and the Savings & Loan scandal in the 80s). But it should be the CIVIC choices that cause banks to be negative or positive, not just banks prima facie.
But you see you already have all of that, as other buildings give happiness BONUSES to counteract it. The people being turned away from banks for example under charity, can still get grain from the granary counteracting the problem hence the +happiness from the granary.
The issue goes far beyond regulation, even well regulated (and in fact I'd say this becomes even more of an issue when banks are properly regulated) you still have many(most) people turned down for loans whereas those with the proper backing (ie the people who already have money) getting more. This is banking, it is just how it works. I'm not saying it is wrong, but it undeniably causes unhappiness among the have-nots.
If a bank is giving out loans to everyone, despite their financial situation then it is not a bank. It is a charity.
Also I think you just misunderstood Killtech's point, I didn't read it as Jews=bad so Banking+jews=unhappiness. More that antisemitism is an example of the negative feelings towards banks since most bankers at that time were Jewish.