We all know how unfair it is to lose some hard earned cash to the bank
robbers. So only way to keep you precious coins safe is to pay merchant to
convert them to high coins and store them into chests. (Of course you can
store gold too but that is perhaps a bit ineffective).
So, how about a 'reincarnation fund'. A second bank account that you could
store money in, and use it only to pay guild levels in reinc. That way, you
could always pay the next reinc 'in advance' and be ready to reinc anytime
without having to scrape up/borrow the money from somewhere.
And yes, it would be too easy to have this kind of lossless bank account, so
why not pay a little extra to deposit or perhaps a small tax would be charged
every time when you reinc, just like you lose some exp.
My two cents, Typy.