|Mistwalker Goblin Squad Member|
only skimmed the replies, but in response to the O.P. One key part of settlements is the bank, especially if/when people can be locked out of foreign banks.
I think that people not being able to use banks in some settlements will cause all kinds of trouble with game mechanics and likely be counter to part of the game design philosophy.
Merchants who list items in the Auction Houses (AH) have those items returned to their local bank vault if no one buys them - what happens if they are locked out? This will discourage travelling merchants.
What happens to the items in a bank vault if a settlement suddenly removes your banking permission?
What happens with caravans and large quantities? Or even someone travelling, buying and selling in settlements as they explore the river kingdoms? Or even coming down to help with an escalation (like what happened last weekend with Riverbank and the Ogg escalation) - if you can't keep more than what you can carry you won't get a lot of offers for help.
Abadar, the God of civilization, is also the God of Banks - in game, I cannot see that god putting up with that kind of thing