Apparently you missed the point of the limitations that were previously stated. If you can't put limited gear in storage, plus can't put anything in that's over half your current level, what's a hero going to hoard in the bank storage? At best some half decent armor and a weapon that any non-naked hero could easily get. Re-gearing is often a two or more stage process, getting a few low grade odds and ends to work your way into a better set of equipment from there. Do you expect someone to go naked and take a high quality weapon right away? It's not easy.

As for going and fighting naked because you know you won't lose anything, the only things you could avoid losing is easily gotten most of the time anyway. So why would you ever bother storing it and fighting without it?

Other than skipping the starting stage of re-gearing, as I believe I once said a while back, the only other real use for a storage system as proposed is to hide away keepsakes. Little low level items that for some reason signify a meaningful event or person, and are essentially trash to anyone else. Without a system like this one, I don't bother with keepsakes of any kind any more, since they always vanish away to PKs eventually. It would be nice to be able to reasonably have them again, not that anyone but me ever really cared about that sort of thing.