I understand why we don’t have player to player trading but I feel we need some type of way to trade with our friends. I was thinking maybe a guild bank where you can deposit items for a GUILD MEMBER only, thoughts ? 

No. Never. BDO is all about you earning and paving your own way. No freebies from friends. Work hard. Get ya gear or make your money and buy it. 

This would allow people to trade for real cash = destroy the market.

BDO as said above is focused on earning everything yourself, while eleminating potential bots and spammers.