New field: "assigned items".
Bank items can be assigned to individual characters if they're the only character who uses it, e.g. boats. Assigned items will be able to be named by players. For example:
"1x Large Ship (Belladonna); 2x Sailing Boat (Sunrise, Manitou)"
Player banks will still exist and function as normal, and items can be moved between banks and characters. Assigning items to characters will be completely optional, so players can keep items in their banks and still use them if they want.