Quote Originally Posted by Liquid_Amnesia View Post
. As such, you can't transfer gold or items between your characters on the same server ...
This has more to do with restricting cheating. On Freemium games, players make countless additional accounts as storage mules and as many characters as possible, just to cheat the inventory limits.

Like, there really is not much reason to create additional characters, even on the same server, and those characters have their own progress, so they shouldn't be allowed to just grab the gear from their other character.

In which I propose:
Have the gear armoire double as a gear transfer closet. Anything stored here that isn't race/gender specific can bypass the character bind. So all characters on the account (cross-server if possible) can access it. Do not allow gil/GC-gear/GC-seals to be stored. It's one thing to allow untradeable gear to be used only on your own characters, it's an other to exploit it to strip an account if it's hacked.