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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
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