I started since beta on EU servers and 1.5 year ago I extended to NA servers because less lag in cyrodill.
If we receive a house, a mount etc.for any reason or as a reward from ZOS I get it on both EU and NA side.
If I buy a new chapter with money it goes on both servers.
But if i buy a new chapter in game with crowns I have to buy it twice if i want it on both sides.
If I buy a house, mount etc. on EU in game i have to buy again on NA server (so always have to pay twice)
I'm a subscriber of ESO+ and receiving crowns !!!
But again every purchased item is always double crowns if I want it on both servers.
I got name changes and other things from a free action from ZOS but I can use only on EU not on NA.
There are many other things saying account wide which in reality are not.
Then the big logical question? why I'm a not allocated crowns on NA server too since I have to buy most stuff twice.
Hope you got the picture and you will make things clear and logical.
Rasta