store valuable items in a bank?
Valuable items are to be used, not storing. Why do you even want an item you can't use because it is too valuable and it is good only for storing

?
I'm very happy you don't loose your items, that Dakkrus take you to DR with all your possessions
(I would be happier if after dying your body stayed where you was with all items behind a deadly field and so unable to be picked up. And Dakkrus servants would know where and when someone died and after a while would take the body and all its items to a body storehouse outside free public viev and it is where you would wake up after coming back from DR ~~ add good climate details to the idea and it is quite good IMO)
And another idea written on these forums already:
Insert quarry works instead of prison. You are trapped there and can try escape or do your due. The higher the crime, the more stones you have to get from the stone pit. and again develop this idea with details and we end with something really usefull. + the anti-cheating ideas people here have about prison