Sure, there is a lot of conveniet stuff you can do / change, but I think at one point we should all ask ourselfs: "What is PSO?" Because I think there are a lot of tiny details, most people aren't aware of, that make PSO the game we love.
If you want to go all in with convenient changes, then how about removing ALL the graphics? Your only interactions will be chatting and throwing dice (for random numbers). This will save us A LOT of time! But will that still be PSO?
Maybe the complaining about people taking too long at the bank is one of those little details that make the game what it is.
Everybody should just "learn" to bank and shop at the end of quests. Then unless you need some special equip for a quest, there is no need to hit the shops/bank after joining a game. Would you even leave fast after a game/quest is over if there wasn't a lobby command? One change leads to another and maybe at one point, PSOs charme will be lost?
I can give you another simple example:
Remember when items like Monomates and Sol Atomizers were only randomly available at the shops? I was always in need of Sol Atomizer, since they are faster than casting Anti. You know what I did when my Sols were running low? I did not pipe till I was able to buy them, nope. I ASKED my teammates (mostly random people) if one of them was able to buy Sols for me, then give them the required Meseta. And it always worked, I was never out of Sols. That kind of interaction/communication is lost and was one of those little details, that make PSO what it is.