To me, they need to be more open with allowing trade to flow between ALL players. The banks being regional is nice for "immersion" but a big BIG time waste and community breaking device.
As the world stands right now, the 2 deep places are essentially cut off from everything else and vice versa with faction and location. Even just the difference between NH and Elf land had a disproportionate economy and item availability.
Yes, there will be people that will LOVE being an inter-regional tradesmen and that is "what they do" buying medium ranked items in one place and selling them as rare in another etc. etc. but with how much they keep suppressing cash availability, it is going to be bad for a long time - then you add in disenchanting items...