Randoming loses the most important part of a currency based loot distribution, which is the ability for people to indicate how much they actually care about items so it goes to the person who values it the most.
You random stuff, you're purposefully reducing the overall economic utility of the items you're getting for your raidforce. Purposefully making people get less of the stuff they want in exchange for getting more of the stuff they don't want tends to not be a really good resource allocation system.
The platinum thing proposed here seems fine; everyone wins when you get a raid target, and you keep the price signals so items go to people who want them the most. The administrative overhead is probably the worst part, because you really want to use a ledger to avoid a ton of overhead but that requires someone sticking an enormous quantity of platinum on a guild banker that's technically got accounts from a lot of members. That's just asking for someone to walk off with it. One of the benefits of a company-scrip style DKP fiat currency system is that noone can steal all of the DKP and run off with it.
If you don't do it with a common ledger based system, you need everyone to have their own bank character, then payouts become really cumbersome. Maybe its viable to have a hybrid model where most people keep their plat on one of their own characters but get paid out once a week from a common banker or something.
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