I am all for more function to housing, but in this case I would argue that it COULD make banks feel a bit empty...but if I were to play devils advocate I would argue that much of the fear of "x zone feeing empty due to y item implementation" is just that, fear and that our experience in game regarding seeing other players would not be affected.

Truth be told, I don't think most of the community hangs out in their houses. Players like myself who like to chill in my homes are most likely far and few between.

So that being said, I'd personally like a guild banker...but with one caveat. That would be they could be placed in homes only and not used in the world like the current banker or merchant.

I think we need the Guild House first. All you can have now is a personal primary residence that the guild uses.