I really think investing in the bank is a good idea but as of right now the maximum you can invest is 75k which is really low with high risks. I know there is an insurance option but this only works for one bank raid and even if it could sustain more than 1 raid, the profits are really low because of the initial investments of 75k.
I would of suggest changing the % you get from the 75k but this could change it too much, I think the best course of actions based on my experience is to at least change the MAX investment to at least 200k-250k for it to be at least viable for passive income. (can also reduce % to make it balanced)
I never really do much profit, even though I understand it isn't meant to make big profit, the profits aren't even worth the risk. 90% of the time I come back with less than what I put in or 0$ even with insurances. This way people can make passive income and comeback get them at the end of the day or can take the risk and wait 2 days. Profit from 200k-250k isn't game breaking and it's worth the risks and it would even give more incentive for bank raiders to raid.
Thanks for hearing me out.