Yup, maybe a harder encounter with appropriate drops at the end (instance specific syngergy mods etc) which your casual player CANT beat, to give a sense of purpose to MMO players. Or maybe the genius devs could let us create groups greater than 4 for pvp purpose?
While social hub and banks would add to the experience, i doubt these things in themselves would make a huge impact on your gameplay. Need more dynamic encounters to stimulate player organization and purpose, its a bad sign people are finished 1 month in and grinding endgame pursuits in starter areas.

