If perhaps we could have a a mailbox and mail items to other players so we could help each other out like example: send a peice of gear to a friend in your fireteam or give him a few strange coins that hes missing for his exotic gear. world of Warcraft has a similar system and it works great. If all charaters would have there own vault space to store stuff and he could mail to another character instead of deposit change account withdraw every one has a full vault and some other character carrying gear just as a matter of storrage.just saying it would greatly improve the game and its simple to give the postmaster a new task.