so hard to read how many " , " are in the price?

Another little thing would be....different currency for each race. Isn't it kind if odd and conspiratorial that only one type of currency would be present in New Eden even though there are four distinct races? Think of each race as a different continent on Earth. America uses the dollar, the Brits the Pound, the French the franc and so forth.

Each has its own value when compared to the other with the home countries money being of the highest value.

Each race would have its own currency allowing trading to take place with money based on stocks and bonds for the money transfer markets.

For example you have 1000 Gallente Talents. In Minmatar space they would have a value of actually being 850 talents, in Amarr space the value would be 750 talents and in Caldari space the value would be 550 talents.

Each race would have a floating value system that would constanty change so that a money transfer system would take place along with keeping the environment exciting as pilots rushed from system to system with cargo containers full of monies looking to transfer it.

Why do you want to nerf scamming? Scamming is profession in EvE and it's quite nerfed (and now with MT removal possibility)... If you need it that bad, made 1 man corp?

I think it's a sensible idea with no drawbacks.

Personally I use option 2) and use the corporate wallet for all trading activities.

You could also have a 'character specific' wallet, and a reserve wallet common to the account and useable by any character on that account, to also save messy transfers or the corp wallet exploit.

Yea, was thinking of something like that, as in you can pay that NPC bank corp in eve to open account for your toons, then the 2nd division would be shared among all your toons. Not everybody here has access to corp wallets anyways

0 reasons not to do this

That's subtlety different.

I was thinking simply of a CCP feature 'behind the scenes' of a 'wallet' which is linked to the subscription account, which can be used by all the characters on that account.

A NPC 'bank' account in-game, which is usable by all of your ALTs is a very different mechanic. How might this work?

Hypothetically I could offer you and your ALTs a banking service with my corp by giving you a wallet exclusively for your use (which I can also access because of the way the corporation mechanisms work), but could be a free service as a player-owned bank that you trusted would not need office space and wouldn't need to charge. The entry costs for incorporation are piddling low. But there is a restriction of only 7 wallet divisions, so a maximum of 7 customers. You wouldn't trust a PC banking service with all of your ISK; you might with a small amount for sharing with all of your ALTs, but the amounts would be too low to really make it work. Also the corp owner would have to know your identity and the identity of all of your ALTs disclosed and using the service. And they'd have to be members of the corp or it wouldn't work.

From what I've read there have been discussions about player-owned banking services to provide loans in exchange for interest, and I like the idea in theory, but trust in EVE being what it is...

No consensus yet to present to CCP.

So the two proposals are either:

1) out of game wallet linked to your account which is accessible by all characters on that account.
2) an in-game NPC bank where you create an account and nominate which characters can access it.

This second idea I think was not what was originally suggested by you and I think needs a lot of further idea development specifying exactly how it should be created and how it should function.

1) is more intuitive and should be much easier to implement.