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Some ideas.
First, know the people who have access. In other words it is best to be on a first name basis with these people and meet them in the real world if possible. The best run guilds I have been in are those run by people who knew each other before WOW.
Second, limits. I think having tabs where people can see the items but never withdraw are good. Just have a request system in place. the GM could take these by PM. If they meet the previous description you could allow those people to pull one or two stacks per day. Note, the ONE OR TWO. Honestly, if someone needs access to ten stacks at any one time don't you think it should be planned for? Its not like you suddenly run into the need for ten stacks of LPS eh?
Same with gold. Repair only. Any withdrawal should be a planned expense. Need an enchant? Pay for it yourself. If its "for the guild" then plan it out and get the money ahead of time. You don't need access or give access to the bank gold just so someone can get something for the guild. If its that important then you will have made arrangements ahead of time. Important items like that are not spur of the moment so don't fall into the trap of giving access "for emergencies" because there aren't any in game. If players are not prepared on their side for such emergencies they shouldn't be in your guild
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