in M&M banks were mainly for not losing gold if you die and don't want to load; they weren't everywhere too... And DD doesn't need banks anyway: you can loan some money already; when you die, you HAVE to load; you can store money anywhere and, since you have pyramids and portals, you can easily access that place - it's safe too, no real robbers, except yourself and some drunk guy near blue-boar inn, are in the game <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />.
