I think Hololasima is quite right. I also personnally feel quite comfortable with banks not being linked, because it makes me think I'm in a post-nuclear world. No wireless transactions. And unlinked banks are not such a pain. Lastly, it also can be a good way to make caravans, and I don't want to see caravans removed in this game. If "caps transport" is done automatically, it can also be the same for items (they could travel via a special shielded train) etc.
If devs want to add something they can re-open this thread.
Closed.