It would be useful to have an in-game bank where the player can keep his most valuable items safely.
The bank should be 100% safe offline and risky online when a player wants to use it.
I propose a bank in the form of a “campsite” that takes time to build (and time to take apart).
The campsite can be placed anywhere.
The fat smoke from the fire alerts everyone around that someone is using it.
During construction and deconstruction times, enemies will be able to destroy the campsite with its contents.
When the bank is in place and ready for use, anyone can take (steal) something from it.
In this case, the bank / campsite must be defended against other players (or creatures), so using it is risky online.
Note: I will expand this idea a bit with more details later.
In PVP, such a system would balance the difference between players who play little and those who play a lot every day. There is no worse end of a day after hard work than to get in the game and see that you’ve lost everything (because someone chose to raid your base).
If the players were sure that at least they had something in the bank, they did not lose everything. I think more people would try PVP mode. In that case, they could even take their revenge right away (using items from the bank).
If the campsite was attacked in PVE by creatures (something like purge), I think building it just for the sake of combat would be cool.
I wonder what the community thinks about it. Will you speak up?