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My guild bank is just set to pretty much be an iron fist on just about everything. Officers have access to only about as many stacks as they would theoretically need for crafting, no more. Members are set at 3 or 5, and alts are set to a stack a day. Even if someone and their entire stable of alts went psycho, about the most I would lose would be a stack of arcane crystals and some primal shadow or something equally ridiculous.
I also keep the tabs set differently and informed the guild of this. There's a tab for potions, and there's a tab for flasks, with different permissions set. It's not a big deal if someone runs away with 20 major agilities. It's a huge deal if someone runs off with 20 Relentless Assaults. I don't need someone cleaning out my entire stock of LPS's, but if you really wanna screw yourselves out of a bunch of friends over some noble topaz, go right ahead.
I used to have it set so people could repair with gold, but my officers bitched about that because they always hit the wrong button and used guild funds for it even when we weren't doing guild activities. So I nixed the gold withdrawal and everyone goes through me when they need money for anything. Small price to pay to make sure we've got cash in there when we need it.
And as far as account security goes, I'm still not of the belief that keyloggers are really the problem. 99% of all account compromising comes from people sharing their info. Just don't do that with everyone, and you won't have a problem. As a guild leader, it's more important now than ever, since you're the only one who should have access to clean out the bank.
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