Wow, girl. That sounds so incredibly complicated...I'm pretty sure SE might not even have the technical infrastructure in place for this. There are a number of other things that should be account-based, but are in fact character-based. Some examples:
- Black list / friend list entries
- Housing (including purchase limits prior to 4.2)
- Character creation limits (really, servers should limit the number of accounts active on them at any given time - not the number of characters)
- Numerous Mog Station items / Seasonal Event items
Obviously the functionality you discuss should exist. Frankly, there should probably be a shared bank a la a personal FC chest, or Diablo 3's Stash. But there's a lot of account-level functionality that is missing, leading me to suspect that SE really botched the design at an early, early stage years ago.
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