Srsly? Raid Loot... Didn't I hear recently: "Watch next they'll put Raid Loot in the DDO store, and when they do I'm quitting, because I worked soooo hard for mine!"
So now you just want to walk into a "safe" room and turn in a "Coin of I've been p(l)aying this long" and just pick the Raid Loot up outta the chest?? Srsly? Srsly? So yeah.. One could just charge a years VIP amount to their CC.. go play something else for a year.. come back and take 4 tokens into a safe place and come out with 4 pieces of Raid Loot? FUN!!!
See my previous post about Vanity Items.. not unbalancing at all but some would find it as an incentive.. or what about a "VIP SELECT" shop where these Coins are the admittance fee and in that shop are Resist 30 pots... or scrolls and potions not available in standard shops (like only in drops - maybe not all but some). ~ slightly unbalancing but not so much and can really only visit that store once every 3 months so better stock up.