I had an idea in this regard. Create some otherwise useless type of item that stacks and can be bought and sold for the exact same amount (as water is). Make it in various denominations - 1 plat, 10 plat, 100 plat, etc, and make it available on merchants that sell water and rations.
We could all then essentially drop transfer plat, just as we could in classic, without having to do anything with the shared bank.
Just a thought.
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