Herein I complain: Crystals, Backs, Rings
There’s no reason why you can’t use up the rest of the crystals on one character before moving onto another for things like clovers. Especially as you’ve said that the items made are not soulbound.
I definitely agree that all the stuff you can buy from miyani should be account bound.
most of these concerns are due to the fact that 4 of my bank tabs are filled up with unwanted rings, rare back armors, and crystals
Judging from the past, a fix to these wouldn’t help your bank slots. The last time Anet fixed souldbound trinket drops/forges to not be so, they didn’t retroactively apply the fix to those soulbound trinkets in bank.