SE - Default 3rd Retainer before Fees

[Ashgarth]

Pay for 8 chars in a server on 1 account and you get 16 retainers. See how much $2 you saved. Oh wait it is troublesome to have 8 chars? It is worst that you can't fork out extra $2 a month...

Really?

Please, explain to me how would you transfer items between your own characters besides having another player come over and hold all your trash to trasfer it ever single time you need an item.