The location of select skill books in difficult to reach locations within the game seems like a good idea. In most cases except for places like Jungle Camp and MK there is a Haven Banker available to players. Haven Bankers for the most part negate the the separation of these skill books. For instance, I know if I leave Haven with 12.5 gold I can spawn in Vadda get Controlled Riding then suicide and head over to Meduli. After I've skilled up (with accelerated skill up I just wait currently) I can ghost back over to Vadda and withdraw gold again for the Swift Riding book, all with hardly any risk. I considered the idea that the initial city that a player spawns in ought to be the only city that allows access to gold made in Haven, but then that may penalize new players who want to switch cities. I considered a ticket that a player could carry to give to a banker but unless it's bound to the character like magic books it's too risky. So I think there might be another idea that partially mitigates this issue which is to have players bind to the Haven Banker in the town they are in like binding to a "Home Priest" with a timer that delays fund transfer for say 1 hour. This would be where the funds are transfered until such time as a player actually takes the time to "Home Bind" to another banker in another town. Yes it's more of a hassle and a time sink but so is haven certain books in difficult to reach locations. Just a thought...