Banking System
Actually disposable income in the US has been fairly steady the last 7 months after a 4% drop in January. So I wouldn’t say it is decreasing rapidly. It’s about on par with 2012. Skip a couple of trips to the drive-thru or a movie or something. $8 isn’t that much but round it up to $10 since that is the minimum amount to buy gems. Remember that Anet is a business and making money is part of the plan even if the money goes to NCSoft first.
As far as personal guild bank, I don’t see how that causes people not to interact. Make the guild bank, deposit whatever, then go back and rep the guild or guilds you have been hanging out with. A personal guild bank isn’t going to cause someone from spending time in their normal guild or guilds since players can be in up to 5 guilds.
(edited by JustTrogdor.7892)
