[Reptak]

Aye, but true. In Neriak we are dub except to The Dead with which we are KOS. In Oggok we are dub to the citizens. However, we are KOS to at least the warrior guild and I suspect other guilds. And we are KoS to some bouncers (the ones in and around the bank particularly). I haven't journeyed far into Grob, I only got bound there. But we are definitely KOS to the bouncers.

Of course this effects monks less, so it hasn't been a big issue for me. I imagine necros can FD bank, but probably not use a merchant without some faction work.

Edit: btw, this is pretty much how I remember it on live too. People thought we were KOS everywhere because sony made a broad statement about us being hated outside of Cabilis, but it wasn't as harsh as people thought.