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The cap is low. The grind for 150 marks (cost of an exotic) is as follows:
Assuming the legendary mark rewards remain at 6 for strikes and 6 for a Crucible WIN, then you would have to grind out 25 strikes and/or win a minimum of 25 Crucible matches to afford an exotic. If you win 50% of your games in Crucible, that would be 30 Crucible matches. Daily heroics give 5 marks (currently) and you get a few more than that for the Nightfall and Weekly. You can also earn (about 4?) for a public event.
Translation: the grind will be real and you'll need to go spend those marks when you accumulate enough.
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IIRC I've seen 10 marks being given at the completion of something in a video. I think it might have been a strike, maybe a weekly or new story one.... In either (same rate, or faster) case the bank size limit is to low IMHO.