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I FOUND IT! I ACTUALLY FOUND IT! I had exhausted all my more targeted ways of finding it and resorted to Google images searching for “point and click game bar” and found a screenshot I recognised.
The game is Mudlarks.
Sorry for the couple of details I misremembered, and thank you to everyone trying to help.
Just gonna leave this here https://m.youtube.com/watch?v=YeH5UXYEzPE Economics explanation from an ex city banker, I’ve found things he says tend to happen.