Things i wish the game had :3

as the title say this is going to be just like a discussion post to things i wish the game had:
1. A Global bank so that i dont have to TP to the waystone, then go to the bank then walk back to the grind spot.
2. Global chat not a instance chat
3. and the combat thing but that is getting change.

apart from the 3 points here i love the rest of the game lol. What do you all think? are this things you would like too or is just like a me problem and not a issue at all??