Well, I had this idea the other day about a shared bank on your account. What does this mean?
My idea is that, there could be maybe a row of like 10 slots or so, with a certain cargo capacity of course not that mutch like your normal bank, but those 10 slots could be shared on your account only between characters. Why this idea you say? You never happened to want to move something to your alt, and you either needed someone to hand you the items from one alt to another, or you had to find a secured place to put them untill you could get those items with your alt?
It happens a lot, just have in mind if you wanna share your scaleset or armor between characters. Of course, let attuned and quest items to not be shared, but all other items that can be moved to other characters.
That way there wouldn't be exploit of gathering resources with one account and using them with your alt, since the cargo would be limited, maybe to 200 or 300 so you can only share certain items, such as weapons, armor, scales, spells, etc (excluding the attuned repaired weapons/armor/scales, quest items, epic weapons, and so on).
What do you think?