Solution to removing safety of banking gold
People should be more careful and always confirm things before hitting any buttons. I know lag can happen, but really caution is a better solution to 98% of these issues.
I don’t think it’s the safety issue that’s the problem. Being able to store gold someplace separately is convenient and organised. I don’t do it because I’m afraid of accidentally spending it; I do it because it’s easier to manage separate funds for separate goals.
If depositing gold in the bank is to be removed, it’d be nice to see a new saving fund feature where you can create so many separate savings funds at the bank, give them a custom title, and deposit gold toward a goal.
You can make your own guild bank, buy influence from the Guild Promotor and get storage. Then you can put the money in there.
( http://wiki.guildwars2.com/wiki/Guild_Promoter )
You can be in up to 5 guilds at a time.