Why tie the equipment load-out to a player's personal bank?

With the current update, the game developers have introduced a tool to help make changing our ships and characters configurations swiftly. After seeing the tool on holodeck, I have some questions about the usefulness of the tool.

1. Why tie the tool to our player's bank?

The current tool allows us to set up characters in the game "on the fly." How this works is a player sits down and loads up their ship or character with gear. In the case of a ship, all the gear loaded up on other ships are accessible. If there is no where to put the equipment the tool will then load it to your personal inventory.

You can put the equipment in your personal bank.

The problem with this method is when are players ever in a spot in the game that has a bank access? There are no banks in space, unless the freighter counts as a bank on the map. So, the only place to access a bank are the major ports. If the player has to fly back to the major port and go to the ground to have a map zone with bank access, then what use is the tool?

The whole purpose of having a convenient method to change out gear is so we do not have to go back to port to change out gear. The current method does not do this.

Sure, the tool lets you change out gear if it loaded on another ship in your hanger. But, then it loads it all to your personal inventory. If we put it in the bank, then we will not be able to access the gear unless we go to the map zone with a bank.

The only way to use the tool is to carry all your gear in your personal inventory. If you are a player who collects anomalies and trace particles, and you use your ship's laboratory to process resources for dilithium every six hours, then how are you going to have enough personal inventory space to carry the ship and ground equipment?

Even if you use the freighter, it has a two hour cool down. And, you only get a minute to decide what you want to throw into the bank and keep on your personal inventory.

The logistics of the game in its current form makes the equipment change out tool useless because we still have to go all the way back to a main port to use it.

I propose two solutions.

Solution 1

Give each ship bank, email, and exchange access in the interior of the ship. This way we are always in a zone with bank access. Or make the freighter an always accessible tool without a limited time use.

Solution 2

Allow people to purchase a cargo hold separately from the personal bank and personal inventory for dilithium crystals that we can use as a holding place for those equipment items. Or extend the amount of slots we can purchase for our banks and inventory to accommodate 50 ships.

Thank you.