My suggestion is to simply improve the wardrobe by including a tab for items such as merchant express, mystic forge conduit, bank express and other items that are commonly obtained through the gem store so that they can be accessed from the wardrobe by any character on the account instead of sitting in inventory places. This can be done with the limited use and the unlimited use items where a charge count would be displayed for number of uses.
My other suggestion is to include a tab in the bank to store “toys” much like how one once existed for mini pets that would include items like costume brawl toys, endless tonics, kites, hot air balloon, flames of kryta, and the many other items that have been collected through story events and festivals with no practical purpose.
I would love to see these suggestions in the game and believe they would be a great improvement.