I do Tales of Tribute matches on several characters and collect the new fragments for the achievements. For instance I obtained several fragments needed for the achievement "Card Conjurer" on several toons. Unfortunately I assumed that it does not matter on which character I use this fragment and hence lost one fragment because the count is per character. If I had known that I might have put it in my bank account so that my main who has had the others coud use it. Now this fragment went to waste. And they don't drop that often.