In my perfect world I envision shop owners/apartment owners/Johnny Law/etc to be more biased than now.
In my world, even though an independent whatever would make vastly more than their clanned counterpart, their clanned counterpart would get better deals, pay less rent, pay less in bribes, etc..
Why would shop owners/apartment owners/the Law charge more? This is because the shop owner knows that by giving the discount to the clanned character, they themselves would look better and they know they could get repeat business because your clanned character has a steady income.
The apartment owner would charge the unclanned person more rent as the unclanned pc is probably going to short them on the next month, or tear the place up, or die, so the apartment owner wants to get the 'sid up front to repair the unclanned character's damage.
etc...
Right now, as I've said before, all the NPCs are just too unbiased.