[JacksonMassey]

I think we're all agreeing with each other here. The only thing I was trying to point out is that my home game is with a group of folks I competely trust, as it's been mostly the same group of folks for two years. This sounds similar to the group OP has. However, even with the high level of trust we have, there is still a centralized bank and only one banker. That should be standard.

My suggestion for OP, drop the chick you don't trust and don't invite the guy who's mortgage is on the line. If you're just looking to have fun, people who may have reasons to not be on the up-and-up are not the type of folks you want at that game. Save the stress for someone else's game.