Universal Banking is a good decision

I'm a proponent of regional economies, but the universal bank turns out to be a good decision. Before, I would go into a scene, and when finished, just recall back home. Now, I go explore a local town and drop stuff off at a bank after finishing a scene. It has incentivized me to explore a lot more towns than I would have before.

That being said, we might have a shot a regional economies again if banking is limited to region (like Epi 1 vs Epi 2 regions).