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... services against collateral, while also trading in various luxury items, buying low and selling high, with a temple usually backing them.

Hmm, in Japan, the lending business is mostly handled by monks, and they also maintain armed forces, employing a large number of monk soldiers, ensuring that if one defaults on a loan, they can confiscate assets—often more powerful than the local clans, sometimes even beating daimyo to force them to repay debts.

With no customers in the shop, ...

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