This still doesn't make any since as it doesn't completely replace bank accounts.
You still need the account to hold the toricredits, and you can't send items from this new addition.
Another thing it doesn't fix is the clans that want to have more than 3 moderators, so what they do is set the clan bank's account as a moderator, and they do the forum moderating from that account, yet they're still account sharing.
I think it's a good addition, because you can use it for your alts. Give your alts access to the main accounts "bank account", this way you don't have to log in and out of your accounts if you need toricredits. I still think this is a neat little addition, but doesn't solve too many account sharing problems.
I believe this is a replacement for Jarmund's toribank bot.