However, you have to take into account why we are introducing local banking.In New Dawn, its main purpose is to be a convenience feature.
Crafting gold costs instead. Having more than one holding can be punished with extra gold costs, but not if you only have one holding.
Crafting and upkeep are two separate but not equal beasts. Let me tell you this, when they start charging a sub, keeping multiple holdings is going to be a chore with the current VCP timers.