Guild Wars 2

Why is there a limit of 1k gold on guild banks? Are guilds supposed to stay broke, or let one person just hold all the gold for the bank? What is the reason for this?

Probably because a few guilds have given vault access to players that just clean them out and disappear. Unless the cap has been in place since release, then I dunno. But I imagine they’re just trying to limit the amount of damage a guild can do to themselves to not have to deal with related support tickets. I think that was their reasoning for the limited gem exchange feature as well, they want to make it harder for new/dense players to make mistakes so they don’t have to deal with them via support. But that’s just my speculation.

I think Skate’s point makes a lot of sense. It could be there to minimise losses if a thief accesses the guild bank.

Even if your guild is full of trust-worthy people, somebody could hack a guildie’s account and wipe the guild bank clean (and A-net won’t recover guild bank losses).