a non char based bank account would have an advantage and a disadvantage...
the current sanction system is mostly based on the one character that is affected. - so when a trader F1, he is sanctioned by having his money taken away from this char.
when a simple command can "store" the cash on a virtual char, - any trader might simply always put ALL his money onto that account, - its safe there... AND he would have a REAL excuse not to pay up pirates.... cause he would really not have cash at that time, on that char. ( or the other way round, pirates might demand a trader to draw cash from the shared account, which they "suspect" exists - even if the char might not have such a shared bank account ) - a lot of uncertainties there.
so - whos cash would be removed in the case of a sanction?
how can pirates pirate traders that have no cash on their char?