We ask that you do some homework before posting specific additions here. Please investigate your ideas to make sure they're not previously posted. If they are, try to use an existing thread. It's also helpful if you familiarize yourself with what the devs have announced to be in the works, though this takes a bit more work in searching out some of the interviews and such.
Banks:
search.php?st=0&sk=t&sd=d&sr=posts&keywords=bank&fid%5B%5D=12If you purchased something from the Company Store (in game with silver), it's probably craftable. (The only two items not craftable that I can recall are the Bible and Company Ration, maybe flint & steel, but that was at one point.) As such, there's really not much point in the "insurance" aspect. One might make an argument for this being useful for items purchased from the cash shop, but I think that insurance should only allow them from being dropped on a non-PvP KO. Someone attacking and robbing you, that should still be allowed.