Makes sense to me, I could see a system like this working pretty well. An account based payment system where you have a ledger at the guild bank fixes the plat distribution problem, but man would that become a tasty guild bank to steal.
Might make sense to require the transfer before looting but allow people to log over to deposit after the bid. People could keep an alt next to the guild banker with however many millions of plat they end up bidding on a Vulak drop and only using ledgers at the guild bank for deposits (so you could go and ask for your cut back whenever if you don't want to trust holding a few hundred k in an account owned by the guild).
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