It could be a flat base amount + cops online.For the bank, if there is 4 cops online the base payout could be 100k, going up from there each cop could add 20k, meaning a 10 cop bank would yield 220k. Obviously this could be adjusted. If necessary they could increase the base amount and decrease the amount it gives for each cop online.The fed might be a little bit trickier however I think the same concept still applies. If there is 5 cops online the base number of gold bars that spawns could be 7