Seriously, its time.
First, Fix the guilds ranking system for custom ranks within said guild. Second, Implement a guild bank system with a withdraw/day system depending on your rank within the guild.
Make a real bank tab accessible though the Kundarak banks, or add it to the guildship with a banking officer only accessible to guildees, give a 40 slot general bank tab with additional sets of 20 available though the DDO store.
Withdraw system: Ex/
Lead: No Limitations
Successor: 10/day
Officer: 5/day
Member: 1/day
A Platinum system would also be very nice, but seeing as we currently do not have a personal bank for platinum I do not see this happening.
Along with this Suggestion:
Implement Bind to guild shards for the crafting system, with a skill rank below unbound shards but higher than BTC shards, the cap for making them would still be limited to the cap of unbound shards, but would be trade-able though the guild bank system.
Why?
To encourage guilds to designate a guild crafter to level up their crafting though guild contributions. Certain guild levels would be required to craft the BTG shards. You could even add shards that would add guild augment slots for a certain amount of guild xp.
Once these shards are crafted onto weapons they will auto BTC