Here’s my suggestion;
-The ability to deposit and withdraw Karma from your personal bank.-
The reason I think this would be a good idea, is right now after a player gets a full set of exotic gear, there is generally nothing to buy with karma. This means an end-game player is stacking up karma that probably for the most part won’t be used at all, if karma could be deposited into the personal bank, then saved up karma from a main-character could be used to help gear an alt with a few pieces of level 80 exotics once they get to level 80.