I would love to see some farmable gear be moved from account-bound to guild-bound. This could be a change made to gear 1 or 2 modules back - essentially, it would be a way for guilds to help new members get into dungeons and campaign content effectively! (Particularly the Vallenhas gear)
If you want to avoid this being abused, Guild-bound gear could function exactly like account-bound, but with one specific addition - it is able to be added to the guild bank. I don't see this being abused, frankly, especially if it's lower gear (and not the most recent items) being updated with this status. It would be a really cool way to encourage guilds to revisit those zones, pick up some of that gear, and help members to access the content that they want to play without necessarily needing to perform that grind themselves. It can be hard, right now, for someone to get to the item level needed for Avernus without account unlocks, collars, or high-level enchantments.
There may be other items this could be applied to as well! Gear, off the top of my head, is simply the one thing that's difficult right now. Seal equipment (the starter stuff) would be nice too - I get seals, and turn them into AD, but it would be cool to be able to grab a class set and pop it in the guild bank for someone starting out and new to the game.
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Right now, almost any mature guild would have their guild bank filled up to the max.
My friend and I, on the other hand, have a newbie guild that will likely never be leveled XD due to the amount of time it takes to get shards. We enjoy running things for it, though! And we have friends and occasional players who are new, have a hard time understanding the systems needed to get equipment, and who are too busy to farm but enjoy running dungeons etc with us. It would be neat to be able to give them slightly better gear, if not the endgame stuff, and see them better situated to have a fun experience. It's also just another perk in favor of joining a guild as a newer player.
If the item is old and useless, then, nobody will care to spend the effort to do anything fishy.
If the item is kind of useful and guild bound, Person A can set the price. Another person B can pay the price. Person A put the item to the guild bank. Invite person B's character to the guild to pick up the item. Person B leaves the guild. Person B can do the same thing for that item in the future.
It could definitely be exploited if people were determined to, but I think the positives would outweigh that, and I don't think it's worth shooting down simply because of that! You can do that with guild currency now, I guess - "pay" people to join your guild and deposit their currencies. But nobody does because that would be strange. And it isn't a gamebreaking cheat, even if they did.