i'm throwing it out there, but i like the idea of the loom bank.
It gives people something to fight for. If you spend all of your money on battles, you'll get no looms, if you spend none of your money on battles, you'll get no looms, you have to deposit the right amount of money and spend the right amount.
From a strategus bandit point of view, where my entire purpose is raiding caravans and making money, i really do like this idea ... do i put my money into the bank where i can't get it out of, or do i spend it on more troops ? .. etc ..