So guild banks pool guild reasources,
But could be used to pass items outside the markets,
They may be used to defraud players, a quickly closed guild would lock up reasources.
The biggest guilds with the largest banks would dominate the game forever.
I suggest this alternative that could allow guilds to share reasouces with more protections for games structure.
Guild lockers.
When a player joins a guild the get a guild locker.
When a player leaves a guild by choice or by kick the content of that locker goes with them.
You may select players that have access to certain items in your locker.
So for example you can put 5 million and some genos in your locker that your select guild mates can use to cast generosity on you or someone else.
You can put some serenities or purifies in your locker for select guild mates to cast on you or someone else.
If a player has access to your cards and money they can use it as they see fit. So trust is important here. Cards cast are cast in the name of the player casting with their fame rating.
So if they cast of your ffj on someone they are responsible not the owner of the cards.
You can put a fleet of trade ships or frigates into a locker that seleted guild mates may sail as their own while in the locker.
If the are stolen or sunk or damaged You dont get them back.
If you leave the guild with any ship in a guild mates active fleet will pause the fleet at port and the ship will return to you in a manner similar to end of auction.
If you dont trust someone dont give them acess to items in your locker.
This relies less on collectivism and is more about allowing trusted freinds to access items they may need to help you. Or to allow you to give new players access to items they may not have yet, for purposes of training.
I feel like this gives lots of options for training new players.
It gives lots of options for guild defense.
Lots of options for a coordinated group attack.
And even options for players to share ships.
While limiting possibilties of abuse or creating massive off balanced bias towards the biggest guilds.