@Jjohnny Rust
The thing is Johnny this is a thinly veiled attempt to prety much screw over all the little folks for the benefit of a few (namely big gangs).
There has never been and it doesn't look like it will happen soon, a REAL economy. This game is about PVP for da lulz everyone knows. So to me that argument goes down the toilet. Like why is there a cooldown for crafting yet no cooldown for pk/robbing people? Because the devs do not want us to hoard loot by making it ourselves. They want us to go out robbing and killing other folks just like CS, Rogues, or the anti-pk folks like TTTLA and VSB to get loot. I mean 3 hour cooldown for BA (this is after 2 hour cooldown for mining the mats)? But you can get BA by just ambushing someone/cripple them/shoot for the eyes.
Izuals excuse of "too many caps", doesn't hold water when historically, the big gangs have ALWAYS had dang near endless caps.
Lastly its no coincidence that this "suggestion" pops up after a nasty flame war in the gang discussions about how Rogues/CS happened to own a few towns when a bug happend that didn't allow other big gangs to re-take them.
So ok, when us little folks lose things due to a server rollback its tough luck. If we die and lose all our stuff because of lag or a glitch in the system, its tough luck. But all of a sudden big gangs get shafted by a bug and its OMGZ we need to get this situation fixed right away.
If we go as you say Johnny, then the big gangs shouldn't be the one getting attached to their money and items. If Izual wants to bring back a balance between the big gangs ONLY, then wipe the big gangs of their money and items. But you see that won't happen unless everyone gets wped.
Banks are not the problem. Bank interest isn't the problem. Screwing over all the little joes just for the sake of (equalizsing the situation between the big gangs) is the problem. Eliminating the few peaceful ways to accumulate wealth in the game IS a problem. Eliminating bank interest and the ability for small folks to earn lots of caps too because some big gangs or gms don't like it IS a problem.