Gringotts

Gringotts is where the hidden economy becomes architecture. Vaults run deep under London. The bank's goblin staff are not a colorful backdrop; the stories give them a long grievance about who owns treasure and who writes the history of theft.

For a student, the bank is a practical stop: exchange muggle money, collect a school fund, try not to ask the wrong question. For the wider world, it is a reminder that wizards are customers in a place they do not fully control.

A deeper argument about that economy lives in this week's speculation, separate from these facts.