Yes, the crime rate. The bank has trained people to check the cash being paid in, has a vault in each branch office, and trucks+staff for transporting cash betw

Yes, the crime rate. The bank has trained people to check the cash being paid in, has a vault in each branch office, and trucks+staff for transporting cash between branches, and insurance premiums on losses during storage and transport. The insurance agency's premiums will depend on the typical losses and on how much money the bank spends on checking and guarding the money, and all of those will tend to vary with the crime rate. If there are more forgeries around, the banks need to either spend more on detecting them, spend more on insurance against losses relating to forged money, or encourage customers to use electronic transfers.