there's no one to hire there
Nope.
There is no crewperson to hire at Golden Harbor. The crew can be found at these locations: Shipwright - Dragon Cove (Shipbuilder) Cargo Master - Bouffant Bay (Willard's Warehouse) Navigator - Parrot Port (Petey's Pub) Cannoneer - Pirate Outpost (Corsair Cannonry)
In the building up the top of the Pirate Outpost 'mountain'. There is a woman wearing a purple suit standing next to the Pirates Den. Go inside and all the way to the left there is a man wearing a striped shirt. That's the man to hire, he is in charge of firing cannons.
There is no crewperson to hire at Golden Harbor. The crew can be found at these locations: Shipwright - Dragon Cove (Shipbuilder) Cargo Master - Bouffant Bay (Willard's Warehouse) Navigator - Parrot Port (Petey's Pub) Cannoneer - Pirate Outpost (Corsair Cannonry)
Because it is a bank of repute.
With bank credit, you are buying it - and making monthly payments to the bank which loaned you the money. With hire/purchase, you are buying it on a month-by-month basis, and paying the person who owns it once a month, until it is "paid off" and you then own it. Surprisingly, "hire/purchase" frequently turns out to be the more expensive of the two in the long run.
The State Bank of Travancore should hire you because you (presumably) have the necessary training, skills, and intelligence with which to assist the bank with its various functions.
A homeowner may need to hire a foreclosure attorney if they are being foreclosed upon by the bank or lender, or person who provided the mortgage. If a person owes more on his home than the home is worth, the bank may try to foreclose on the home, in which case, one would need a foreclosure attorney.
"Cash" on Skullduggery Island is your doubloon count. You earn doubloons by salvage or by trading, and you can borrow some from the Golden Harbor bank. When you buy cargo, you spend your cash, and when you sell it, you make a profit. If your ship is sunk, you lose aprt of your doubloons and part of your cargo. You need doubloons to buy larger ships and hire skilled crewmen. (see related question)
There are many companies that do not hire a person if they have a felony conviction. However, there are companies that will hire a felon. A person has to apply for jobs until they find a company that will hire them.
The companies that hire felons in Iowa are Applebee's, Aramark food services, and Golden Corral. The Goodwill stores and I Hop also hire felons.
You need to buy larger ships as you can afford them, and accumulate enough doubloons to buy a Phoenix Warbird (500,000 and you can borrow another 500,000 from the Golden Harbor bank. You should also hire the Shipwright (Dragon Cove) and Cannoneer (Pirate Outpost). When you have assembled the 5 map pieces, and have your Phoenix Warbird, you can sail near the Pirate Outpost and Captain Crawfish will eventually show up.