aside from individuals manage their money, the most significant contribution banks make to the u. s. economy is

lending money to existing and new businesses
limiting individual and business access to funds
connecting consumers with businesses
offering interest on savings accounts

Aside from helping individuals manage their money, the most significant contribution banks make to the U.S. economy is  lending money to existing and new businesses.

Explanation:

A bank, also known as a credit institution or deposit entity is a financial company that is responsible for raising funds in the form of deposits, and lending money, as well as the provision of financial services.

When banks lend money, they contribute to the country's economy by injecting funds to activate the economy, generating businesses that would otherwise take much longer to materialize.

the three roles stated in the dialogue develop the siblings' personalities.

lloyd's personality looks like a trademarketer

dana's personality is afraid from lloyd's behavior and the oldest sister is a decided person who tries to solve any conflict

she will pay the extra amount