Glukkons probably introduced negative interest rates a long time ago, essentially charging citizens for the 'service' of keeping their money secure in a bank.
The Gluks would reap the rewards from the common folk, whilst hoarding their own money in extravagant vaults to avoid the charges themselves.
Cash still seems to be prevalent from what we've seen in the games. That system would be more controllable if the Gluks banned cash outright and moved to a cashless digital currency system. Though, they probably like the anonymity of cash so they can conduct their own shady business off the grid.
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