I like those ideas, however I would think they would have to put the idea of one guild raiding another guilds stuff as a pvp reward option. Otherwise, the idea ends up being pointless when you have multiple high levels just raiding everyone elses places instead. If my "guild house" or whatever was constantly being raided, I would stop putting stuff there, which thereby warrants the idea useless!
If my bank was capable of being robbed on a whim, I wouldnt put anything in there.
Zeppers lvl 40 - All mastered but lvl 21 cannons
Groggy McJones lvl 26 - All weapons quest/tp quest finished - avoiding story quest
http://pirates.teamofx.us