Not sure if this has been suggested before but..
As a further incentive to become a DDO VIP account, I would love to see a large, sortable shared bank.
100+ slots shared and sortable by things such as level requirement, item type, mods, consumables, clickies, etc.
I fail to see what detriment this would add to the game and it would help quite a bit when my fellow guildie has to stop between every quest to manage his unneccesarily small 'man bag' cause he likes to horde stuff
20 shared bank slots is nice, 100+ would be amazing, a sorting option of some sort would be just icing on the cake.