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Yes it is important bc it offer more realism to the quest and the world.That trade increase doesnt make to much sense bc we dont have so many tread treaties or even valuable goods to sell.
Well, increases in internal trade due to new goods being added to the market as well as better travel conditions can also increase trade. Fewer bandits on the road mean more road safety and would lead to merchants travelling longer routes, selling more wares that would not have been possible with the bandit problem. And then there are also the external treaties we have signed with other kingdoms. As more wheat is also being produced, that can also increase sales, especially to the parts of the North that can't make wheat. There is also the brewery that was made in Wintertown.
What it means more financially secure for you?For me it means when our income is at least 3 time larger then our expenditure.And also we need the men and the experince to rule a bank.
Enough money that we aren't spending most of our treasury on actions and all that. I do agree in that a bank for merchants and smallfolk would be a good start for that experience.