People like to bring this up as a reason but it's probably not true. It worked like this even at launch when there were only the two initial retainers. The ability to buy more wasn't added until later.
But it still impacts how much storage a single character has easy access to.
I know others have speculated it was to obstruct RMT activity but that doesn't make sense since FC chests and multiple accounts easily get around that.
Hopefully SE re-evaluates things at some point because the restrictions don't appear to accomplish anything other than a creating minor inconvenience.
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