Damn Roshi. Chill out, man.
These types of sites are for fun...there's no need to bite kids' heads' off because a Home Loan Company wouldn't want to use the design.
Fun sites can be graphically dependent. Honestly, there's not going to be much content anyway--what else would it have?
Bottom line is this: the **** looks good. I'm sure that's all he's going for. I doubt the kid's got a demographic to worry about scaring off, so lay off, man. The crystalline BGs on the menus seems fine to me, and I've got a degree in Media & Communications.
I can see where your coming from, Roshi, but in this case it's not much of a big deal.