I think we all should have an individual atlas bank account for resources and gold coins. The ledger management is too much work and create conflicts among team members. There will be responsible people and some irresponsible people and sometimes we are tempted to borrow. There are members who farmed a lot but according to what i know after a week, it resets and all records are lost.
Individual account solves those problems and those taxed gold coins (team account) can be used to upgrade castle or lend it to those who may need some last minute help and depending on the policy adopted by the team. Anyone has better suggestion?