Thanks for beta testing SPON Money for me! Been out for a while, but people never bother to actually tell me when things are broken!
* The issue with not being able to get into newly purchased vehicles is a general problem with newly created vehicles in ArmA. For now, just wait a little while after purchase and they'll sort themselves out (problem worked around in the current unreleased version).
* I don't have immediate plans to allow people to transfer money between themselves (either directly, or via the bank), but it is definitely going to be implemented when I get time. It just probably won't get into the next release version.
* Regarding use of flagpoles rather than shopkeepers: Actually, there is nothing stopping you using actual people as shopkeepers, even if you fear that smacktards will shoot them. You just need to use the SIX editor upgrade addon which unlocks the indestructible anchorman character (a man in a dark suit, which has two versions, one that can die and one that doesn't die). In fact, one of the shopkeepers or bankers in the SPON Money demo already is one of these. Note: The Six editor upgrade is only required to edit the mission and the character is still available for clients without the addon.
I'm working with D.murphy man to resolve these issues and more regarding SPON Money (as I say, this is the first "serious" test for these scripts).