If it didn't need 4 other people to sign I would be very tempted to start a person FC just for the ability to share the bank between alt (all on same server of course). BUT then I'd want to be able to belong to 2 FC's to get the social side... yeah not very practical. (it worked in another game, but with multiple guild signups, hmm don't play that any more though lol)

I think there are as many different ideas, desires and thoughts as there are people playing..

Still it's a very good game!