The rules of the bank are pretty simple: take what you need, place what you don't. It's an honor system, and most of the items contained within the bank are relatively common. I've personally placed rarer items into the bank knowing I could sell them, but new players don't always have access to gobs of gold.
"Trust banks" have been victims before, and I'm sure they'll be victims again. In this situation, there is no literal rule stating items cannot be withdrawn from the bank to start a new guild.
Considering the person took every single recipe, yes, there is a tremendous difference on the reason.Seems to me you are making a mountain out of a molehill. These were all common green recipes, the guy paid for them(supposedly). Its not like there was anything of any real value taken...and it really doesn't matter why he took them. Is there any real difference if he took them to learn them?
If we remove the gold from the discussion, would this still be a molehill?
Like most things there's no set rules, it depends on the guild. In one of my guilds the bank is essentially a dumping ground - you put things in there if you don't want to delete them but don't care what happens to them, and people are free to take anything out for any reason they like.
In another the guild officers encourage people to put in things they think would be useful to lower level/newer players and only officers can withdraw - you tell them what you want and why and they decide if you deserve it.
If your guild's rules are that recipes are only to be taken for your own use in doing dailies or to help progress their own crafters then that's fine but ideally people need to be told before taking them out.
If we remove the gold from the discussion, would this still be a molehill?
Let's be honest ... If they were all green the bank will refill with them in a few days ... Take the hold n shut up moaning is what I say ... I'm sick of the sight of some recipes in the guild banks you should be thanking him