We've all wanted those new houses, or those new mounts. But, we JUST dont have all the money. Well, I have an Idea for that. While we start through the game, we are gifted 100 gold. You have the option to save it or to spend it. To save it, you go to your bank, and it's like a "Piggy Bank." So, when your a grandmaster and you have 100,000 gold you can go "Oh, I want the new Storm House." (Which is what I did.) So, while your making money fighting and farming bosses you can split it in half, and put some into your regular money to spend on anything. And, save the rest.
I would prefer to have a piggie bank "item". Which you can place gold in and would be able to place it in your shared bank. So your other characters can take and remove gold from it.