Having a legacy bank may allow them to sort of transfer credits after the fact by dipping into the legacy escrow, BUT THEY STILL HAVE PAY FOR IT WITH CARTEL COINS, and in the CURRENT system they can still transfer before hand by just being proactive with where they place their credits. So again the difference is negligible. Either they distribute it before hand and PAY for Credit Escrow to access it, or it is in a legacy bank and they PAY for Credit Escrow to access it. Both cases work out the same in the end, except with a legacy bank SUBSCRIBERS get a benefit while subscribed.
All a Legacy Bank option adds is again, a quality of life feature for SUBSCRIBERS, because the only way anyone has access to a Legacy Bank would be if they subscribed. Please dont bring up F2P because they are irrelevant to this discussion.