But see, I'd like to get my money back from the bank. Seriously though we already have Elessa already and her appearance rather screams bank teller. Though mind you it would only take a few lines of text to change to do that.
They are somewhat hard when you're an acad. But as you progress in the game things will decrease in difficulty. You'll get used to the system and know what to do in otherwords.
We can't really tell you b/c that would be considered a spoiler and we don't wanna ruin the fun of the game for you. Explore the game and you'll find the answer for yourself.