I say this with all sincerity and as someone who LOVES the game. If it will help you resolve the bank issues, guild issues, chat issues, etc. just take the game down for 24-48 hours, fix it, and credit everyone 2days (or even 7, your call) and just fix it.
I want to play, but I certainly understand that stuff happens and when it does, you do what it takes to fix it. I'm sure there'd be some gnashing of teeth and wringing of hands, but I'm pretty sure that everyone would rather miss a day or two and have it fixed than to keep praying you don't get hit by one of the insidious little (or big) issues.
Of course if that won't be enough to fix it than I guess this post isn't of value, but if you can fix it in that time frame, just do it. It will pay off in the long run.