Q u o t e: Right now I completely shun the idea of guild banks. But I'm not sure if I'd like them or not when I'm finally playing ^_^
Seems to make game progression too easy with items so accessible. It would also make guilds/clans almost essential for fast progression through the game and crafting just like WoW where joining a guild was beneficial for a long long time.
What I mean by that is we'd start playing then instantly seek out a guild. That does encourage multiplayer / team play but it has its downside too.
I'm having trouble seeing the downside.
Group membership tends to prolong time spent playing even if shortens gameplay or makes it easier.