[Ayleth Payne]

There would be even less player interaction with this system as people would just sit in their houses to make trades and what not. It would also make less chance for the thieves to steal a good item from someone not thinking and heading to a popular bank with the item sitting in their packs when making a trade, personally I don't like thieves but they do have their place.

Less in game interaction and people meeting in popular areas to trade will make the game world quieter...