Having to physically be present at the bank to make transfers I think SHOULD always be a thing because it allows for ambushes and forces players to actually travel between sectors to do their chores.
Quote "Inconvenient for your character? Perhaps. But it serves a very real game purpose. People have to make choices... [...] Do I go up to gold and risk a Judge realizing who I am? Etc."
I have to agree with the comments about risk aversion. Cred chip / remote transfers is something we've talked about in the past as a staff, and decided against it because it reduces RP, reduces risk, and makes things way to easy. It makes -sense- as a thing that would exist in the world, but it's one of those things we purposefully don't include because it's a game.