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An exceptionally bright child, Richards was very special to Elizabeth Van Lew. Van Lew had Richards baptized in a white church and later sent north to be educated. This was extremely rare for a black child in the South.
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The indians assumed Hester Prynne was an important person of high dignity. They believed that because of a golden embroidered scarlett letter she wore. That showed how simple the indians were and for that reason the English puritans thought they were ridiculous and savage.
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The banking system is crucial for the functioning of the US economy because they make loans and create credit. Without loans many people wouldn't be able to buy a house or a car, and the economy would collapse. Government regulates the banks to make sure they are being fair to their clients.
