Regarding a CC Bank you stated:
Essentially it could allow players to move credits around in ways that break our T&C, like using a bunch of multis to pool credits and have a tournament that only the main account plays in.
You have already given these cheaters a way to do this. I almost reported one to you the other day but it was so obvious I figured you would catch it easily. The credit to enter CC tournaments...
This CC with 30 members was made up of all but one with the same name followed by a different number. In one of their CC tournaments all 30 entered but 29 withdrew after paying their entry fee.
A CC Bank adds no additional motivation for cheaters to create such a CC.
I'm sure many of you have seen clubs that are filled with suspect players, and I'm sure that many of you have had some issue with a club member goes rogue. The CC bank would work in a world where everyone was respectful and using it properly but we all know that's not how it works.
While undoubtedly every large CC will have a suspect / rogue member at some point I would have to say the CC Owner would have to be pretty dang dumb to give access to the spending from the CC Bank to all members. Deposits Yes, spending No.
I believe if the owner was that dumb - it is their own fault and nothing that WGT should concern itself with.
Pretty easy, the CC bank would allow players to pool their credits and the owner (and other players with permission) to use the bank to fund tournaments.
You are thinking too limited here - how about funding a new driver for a member from India who has little access to credits as part of a Secret Santa giveaway?
In essence I think WGT is losing out on a big stimulus for credit usage. Think about how many more credits (therefore $ to WGT). Over the years I would bet that our CC would have spent thousands more then what we have individually....