In regards to quest banking nerf, would you rather...
Like it or not, there is a reason behind this nerf. While they haven't outright stated it, I'd bet my bottom dollar that it's because it conflicts with growth loss on death. Growth loss on death is what keeps the KoS murder hobos from the same KoS -> die -> KoS immediately on respawn. Rinse and repeat. Quest banking essentially countered that.
It's clear that it's needed, and many will argue it I'm sure. But those people probably don't play on the no rule pvp fuckfest that is the official servers. The majority of players do play official, and it's the devs job to balance the game around their official servers, not the niche metas of community servers.