Overall I'd say it's fine in regards to merchants not being able to horde money instead of using a banker, but now that means if there's no bankers online or no one wants to be one you're always at the risk of losing your money at all times. That especially goes for scum who own the bazaar stalls. It's one thing to now have to emerge to get to a terminal, but a complete other thing to then find a banker as scum to both deposit and withdraw. This is all just first impressions mind you, so we'll see how it is.