Personal NPCs like the golem banker shouldn’t be broadcast to all players, just the owner. If other players can’t use it there’s no reason to broadcast it to them.
Just wasteful to send it when it’s a very cheap check in the loop of what npcs to broadcast. If npc is private npc and playerid != ownerid, don’t broadcast it to that player.
Make sure not to kitten it up by making things like turrets or pets or minions not broadcasting. Probably easiest to have private npc flag by default be false then by hand in the npc data you set it to true for the ones you absolutely know for sure are private npcs.