Two things. This game seems to be designed on a wish and a prayer anything that doesn't seem to be an extension of what already is in the game is game breaking/impossible. Two they have embraced inventory bloat and charged you for it. Unless the bank was somehow attached to mogstation you are literally taking money they forced you to pay through game design.

I actually like the idea though. But even farther instanced house with a storage that is account wide. So that all characters on one account on one server share space and items. Not sure what Aion has now but at launch storage was account based and it was really convenient.