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Ok, so if we don't introduce a gang bank, and points aren't transferrable, then what problems are there with the current system?
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I'm not saying there's something wrong atm. Since this is a news/suggestion thread I was just putting my input in regards to what john and fatal said. But, if there's a way to exploit it someone will find it. They always do.
My post can be misleading since it sounds as I was talking like those things were already in place.
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If we still want there to be Gang Upgrades, how would that work? Would any player be able to buy upgrades for them?
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As for Gang upgrades, maybe you can setup a different point system that would go directly to the gang itself. I don't think it's fair for a player to scam points off towering guilds and using them to upgrade their own guild. That would give no incentive to create basing competition.
The main way to exploit the system is with multiple accounts, so monitoring the number of players coming from the same location could be one way to dealing with the problem. Delteria says they monitor for multiple accounts during holiday dungeons to prevent players from getting multiple chests.
Needing to be identified to earn points can also help.