The long and the short of it is this: After the next update, you won't be able to use the "disguise trick" to access the bank accounts of the other characters you own. You can either reorganize your storage now so that it makes in character sense, or you can get friends to help you mule it around after the change goes live.
We'll also look into ways to make RCRing easier to do (such as a Nexus-based account-wide storage NPC). No promises. But that is unrelated to the announced change that will definitely be happening and there will be no changing our minds on it. It definitely has to happen.
There are currently no immediate plans to ban muling or to wipe the server character vault.