Lets just make it so if you stay at a bank for more than one minute you turn gray and you can be killed. Should help clear out the banks a lot. Problem solved. Will help the game grow too because it will add a whole new Bank PvPvE system where you have to both bank and try to fight off players at the same time. Then lets add a new thievery mechanic called bank robbing. Where when someone is using the bank you can sneak into their bank vault and steal all their items and run away with them