this game is really addicting. i have been playing for about two years now, and i don't even play because i want to at this point. i play because i need to.
You may not be able to withdraw from the bank, but there is only one store, and apparently they have an arrangement with your bank that works similarly to a debit card.
there needs to be an upgrade at the store that lets you earn a small amount of crystals over time without being on. This should be very expensive in order to keep the game fair-ish.