As of writing this, this thread is 26 pages long. Im not gonna read every post. That make me a bit lazy? Yeah, a bit. But if its an easy answer thats been answered ad nauseum, then put it in 2 sentences. If its so easy and solid a reasoning, I wont have much else to say.
In the game as it is currently designed, you arent exploiting anything for the most part. However, my point was addressing "QoL" changes with CenterShock being the example - Changes which would bypass things like additional retainer services and how the game is designed around 1 PC. To implement these "QoL" features would make it ripe for exploit because frankly that is exactly what you see in other MMOs and you would see that here UNLESS they also redesigned a lot of how these features so you can have QoL changes as mentioned. My personal suspicions is that while a few people may have more honest reasons why they want said changes, the reality is that it would quickly become the norm to pay 15, make bank alts, and mail them all the overflow instead of buying retainers.
Congrats on starting a new toon for RP reasons. But Ill bet the farm that youre a minority of a minority in this regards. You have an RP head canon for an alt that is different from your main. Even among RPers, this isnt that common a thing, and RPers dont make up the majority of the player base. Hell, we all have head canons, but most people dont want to start from scratch just to create a new head canon character that is only different in their own head and personal circle of friends.
That being said, again, the game is designed around the 1 PC system. They want you to buy name changes and fantasias. They want you to use the Mogstation services. That is part of their profit motive and the game is designed with that in mind. They give you the option to keep your progress and redesign if you want - OR you can buy the 15 a month sub and get alts where you can make the new "head canon". But the trade for that is you start from scratch. Which, by the sounds of your reasoning, is exactly what you personally want, so Im not sure what your investment in QoL changes is exactly.
Seems like youre taking this as a personal attack. Take a breather bud. Im not saying youre a cheater and need to be banned. My point is that if you design a system to be easily exploited in x fashion, it will be done that way by the player base at large in short time. Simply asking "Oh dont make alt characters that are just for storage" isnt effective, and good luck trying to prove people arent using alts simply for bank storage and not for "RP reasons" or "Leveling an alt". At least with the current design set up, it heavily discourages this aspect (capping on transferable money, using intermediaries for trading, not being able to use a common bank storage as a transfer point easily.) Not that they have eliminated it, just mitigated against it to make it not an easy to do thing.
Otherwise, some changes like being able to mail to alts, would result in bank alts and bypassing extra storage options they want you to buy. You see this in wow, you see this in other games, youll see it here too if some changes are made. Beyond that, the only reason Im seeing that you create alts for is for RP reasons, and even then, Im not sure what youre advocating for in regards to QoL changes that would justify making it more alt friendly that wouldnt open a can o worms and bypass mog station account features.