2 banks, 1 being easy to make with max bag player bank isn't a 'game changer'
Not only that, not you can make gather mats from players for the main raid team easier.
Not against it, it just prevents a lack of communication as you don't have to ask guildies for X/Y and just be supplied by the guild leader.
Would rather have to help guildies farm for mats, or buy the goods for cheaper then AH (assuming they sell them low) so both parties benefit.
and how do guild banks stop you from communicating with your guild members?
Let's say you have 5 high level alchemist in your guild and need to farm 5 different areas for different types of potions, elixer, exc.
Well you still communicate with who is gathering what to end up with adequate herbs for the needed consumables.
Or let's say you have leatherworking farming to make the devilsaur sets and healer gear, exc. To ready your guild for raiding. Does it not require communicate to make sure all your Skinner's are not only farming basic leather and devilsaur leather? Because then you have no mate to make the healer gear.
Guild banks don't stop communication between guild members, if that was your experience with them, well that was on you, not guild banks.
Even then most guild members won't have access to withdraw from the guild bank, meaning they will still go to officers to request withdraws, and again, if your guild bank experience was an open door on the guild bank, that's a poorly managed guild and that's on YOU, not guild banks.
I've even had times where I looked into the guild bank and noticed out supply of consumables on food, potions, exc. Was running low and as a non officer I started organizing the guild to help restock. I later became a Jr officer because of how often I did this (my Gm made a new rank for me because of my proactive attitude, which I never would have been able to do without guild banks because I wouldn't know what was needed without being actively told by another, thus letting me perform the leader role without access to the guild bank alt)
Guild banks encourage community far more than they discourage it.
As a side note the guild bank alt system encouraged the unsafe and against ToS behavior of account sharing to make the guild bank alt more accessible, which has it's own issues for doing that.