It never bothered me that users have millions of coins, but it seems that some of the staff thinks it might be a problem, judging by the proposed bank changes.
What im trying to do is provide my perspective on the matter, and maybe we can find a solution that is least harmful to the users and the site itself, and that makes both the users and staff happy (Or least upset).
I believe i might have misunderstood what you meant.
You mean the interest of the bank would be based not on the bank balance but on the wallet balance?
If thats what you meant im not sure in what way it would help.
All it would do is encourage users to keep their coins in their wallet, it seems to me.