Follow is too easily abused, as stated by others above.
All the the OP’s guild suggestions are a very good idea, I support them 100%.
My Suggestions (some I’ve seen suggested elsewhere):
— Add a “Deposit All” option to the collectables tab
— Add personal focus targeting, tired of randomly losing Sunless as my target mid fight and trying to click him again while he’s being moshed by other PCs
— May already be implemented, have a guild log so you know who did what in the guild bank
— Allow guild leaders to undo actions taken in the guild bank, i.e.– Someone cleans out the guild bank, guild leader just hits undo until everything is back.