As a side note, the Honda Civic reference to the "Civic Center" was a joke. I wasn't serious.
But when it comes down to the bank thing, the one thing that would p*ss me off is if I screw up a bunch of races after taking out a loan, and I'm supposed to pay off the bank loan before my ass goes broke. I think the best case of paying off the bank was in the Bullfrog game "Theme Hospital." It's very tricky to take out $5,000 to get stuff for your hospital. But then, you'd have to get enough money to pay off the bank before all the wages come up each month in the game. So if you took out a loan and you have $11,000 in your bank balance and took out only one loan, you'd have to pay off only the $5,000 you've earned, so you'll be left with $6,000. Then, you wouldn't be charged unless you take out more money.
I just hope that this "Bank of GT" deal doesn't come an economics lesson. "Theme Hospital" had about the best system that I've played around with. Question is, can you make enough money to pay it off? And another thing about the loan in "Theme Hospital," you have no limit to pay off the loan. Just earn the money, and pay them off. But a bank would be interesting.