Guild banks don’t go against the design of vanilla, they actually corrospond with it very well, they just were not in vanilla, but fit perfectly with the design goals of vanilla.
However this is a spam thread as there is already a thread on this topic that’s 900+ posts in due to no thread caps and the OP made this one specifically to make an echo chamber against guild banks. I’ve marked it as spam and will continue to discuss this topic in the 900+ posts thread about guild banks.
He is well aware this is spam because he was posting in the other one.