The Black Pudding Bank's direct support now reaches 4,000 clients, a number that ballooned rapidly because of a major recent transaction—in the economically better-off Core Four Districts, specifically the Buck District, there's a hidden but incredibly large homeless population. These homeless live in an abandoned sewer, amongst litter and waste. They beg or scavenge during the day and at night crawl back into the sewers to avoid the Nightwatchmen.
In fact, the existence of these homeless has indeed contributed to numerous crimes, and the Nightwatchmen have their reasons for existing to some extent.