What's the reasoning for this? Can't GMs be expected to manage permissions properly? Our guild is growing very quickly, and I'd like new folks to be able to use the bank.

Yeah you already said that. Doesn't mean I want to play with a stacked deck.

Neither one is fun, or fair. The only fun & fair system is to prevent premade vs. pug in random WZ queue. Premade vs. premade only. Pug vs. pug only.

Then the answer is no grouping for random WZs. Pugs only.

Easy answer - queue premade vs. other premades, and pug vs. pug. The alternative (and currently existing system) is unfair and not fun for anyone.

Premade should only queue against premades. Premade v. pug is an unfair advantage and not fun to play.

Premades should only queue against premades.