IMO this is how they should do it.
Get rid of housing.
Have vaults in which you are able to give certain people (accounts, or characters) access to.
And then, put a 'bank' in the main city, with a bunch of consignment merchants, and let people pay the bank 1p for the right to use a consignment merchant and list their items. Obviously you only have a few consignment merchants, which everyone uses, rather than thousands of them. But I think this would be great. There would be no more Ywain1-10 housing stuff, and the capital cities would once again become the trading centre of the game, since there will be 30-40 people browsing consignment merchants, a ton more people doing their crafting. Not only could you sell stuff on a CM, but you could just use region as well.
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