[imported_Tabion]

Even if it is hard to earn money here, at some point everyone would be able to afford a guildstone and a guild bank. I can say I would EASILY buy a guildstone for 250k and a guild bank for let's say 750k, if it gave me the ability to bank at my house. I am sure there are more who feels the same way.

You are honestly saying that you would spend 1 million gold for a bank at your house? Seems to me that is money better spent for just a bank for yourself. The only reason I disagree with your theory on limiting certain guilds to have bank boxes is because not everyone wants a huge ass guild... Some people like to have a guild that is just rl friends or just like to keep it somewhat small instead of recruiting a percentage of the shard.

Personally I would like to see war between two big guilds than between a thousand two-man-guilds.

Yeah I love big guild fights as well but people should not be forced to do so or need to be a huge guild just to have the same rights. Small groups or large, it is fun either way.
It should either be for all or none not select few. Besides a guild of 20 members or more... I have two other people who play in my house and a neighbor with 3 comps I can use at my disposal, not to mention a mess of friends who would make an account and join my guild to help me. Within 24 hours I could have Daemon up to 50+ members, using little effort.
Will I do such a thing? Never. But I guarantee others would and that right there makes it pointless to have such a segregating rule.
Kind of disappoints me that you wouldn't want groups of friends who play here to have the same rights as everyone else....