You don't need to send a GM a message to create an alt...
Also, what a stupid idea. The point of a bank is a system where you can withdraw and deposit money. Not deposit it and lose it...
This is just an easier alternate method. It's not trying to bring down the current one which I hardly ever see people use.
I don't see why people are not supporting this. This won't stop you from using the current method. It will just add an easier method which is a positive. If you want to create an account as a bank instead of a system that lets you set one up then go ahead. You carry on doing that while those of us who support this use a different method? Nothing wrong with that.