Wow thats an awesome idea!! Because pirates didnt keep thjeir gold in bamks they buried it! DEFINATLY send it in!

Banks could work, though they wouldn't be as cool as buried treasure. However, as has been clearly stated, there needs to be more to spend it on. Some ideas:

Rounds of drinks
More clothes, jewelry, ships, weapon, etc
Pets (i.e. Parrots, possibly different grades--hatchling, new flier, adult, African, European)
Houses
Stuff for our ships--various grades of wheels--pine, oak, mahogany, solid gold, etc
Houses/apartments (we could stash stuff there, including gold)
Banks could charge a "service fee" to deposit or withdraw gold so we spend instead of hoard

For me, it's really just that I don't want to be losing gold because I can't carry any more. Even if I have nothing to spend it on, I still don't want my gold taken away. ;)

And who knows, maybe eventually there will be more stuff to spend money on.

like that...since i only get 0 because i'm usally max out .....now where did i put me treasure map.

There really is nothing else to spend money on after a while besides ammo and point retouching, clothes and other apparel being the exception for those who just can't stand to look at the same. A higher cap doesn't really do much unless they add in more things that are tremendously expensive.

Still, I'd like for dig spots to have some use, though as to what that'd be, I ain't so sure.

Good idea!
But I need to give you some history first.
Pirates never buried their treasure on the beach or in the sand.
The water that pushes against the sand (or currents) would eventually shift the sand along with the treasure making it hard or impossible to find.

Good thing POTCO doesn't have any dig spots close by the beach. I would love to see this in the game but there's always a possiblilty of theives.
However I would also like to see a bank system added in too.

Bottom line:

Buried treasure: as piratey as piratey gets.
Banks: very unpiratey. What next, Armani suits? As Tom Hanks might say "There's no banking in pirating!"

Pirating without buried treasure isn't real pirating.

I really meant for it to be an individual thing, at least at first. So, head to any dig spot and access your chest, just like you can head to any dinghy and access your ships.

About that giving your gold to someone else thing, the developers already said their starting to make a trading system.

They also said they were seting up somthing which you could mix and match lots of ship parts to form your own unique ship.
All these can be found on the life in the section of the website.

And about that Captain's Quarters, as Johamee Gibs said "Yeah that sound's very piraty!" (he means the oppersite)