Guild Wars 2

Okay, this is a rough framework for a way to allow account wide skin unlocks without losing the current system and also making money in the gemstore.

1) Add a designer to cities and LA who is interested in seeing unique armour and weapons.
2) Add new items “blank sketchbook pages” rarely in the world, commonly in BLCs and for a moderate price on the gem store. These come in each tier of quality, up to Legendary, with each tier being rarer than the one before it.
3) Add “sketchbook” tab into hero panel.
4) For the price of one blank sketchbook page, the designer will record any skin that you possess of that tier into your “sketchbook”. You will then be able to retrieve that skin, as many times as you want, on any of your characters by speaking to a designer.

Note: The sketchbook is not intended to be easily filled, nor is supposed to be easy to get pages for it. It is instead intended to allow players to “save” their favourite skins at a cost. Though hardcore collectors could attempt the feat, with suitable low AP achievements tied to it.