im a bit of a collector (hoarder) myself with these sort of games collecting all emblems and skins and different class items but there is just not enough room in the vault to store all the items you offer between each character, my suggestion would be to increase the size of the vault or maybe have a large character vault and then keep the other vault how it is for account use.
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Agreed. People who enjoy these types of games generally fall into one of two categories: hoarder or collector. That being said, it makes absolutely no sense to to limit the vault to 20/20/20, especially when you factor in that it's a shared vault. It should be 250/250/250.