imagine having 400 lobi on 2 characters, 200 on 4, 50 on 16, and so on, and wish they where account bound, you would have your ship for 800 lobi by means of account shared bank.

The logic here seems much gotcha, 2 possible solutions here, remove the guy who sends you to collect your hacked box with a lobi and item, and or, make the lobi acquired in it a "forged lobi" to spend as a regular one unique to that quest and one of a kind for that character only

let's let them know we want our lobis to spend our way!!!
not the way they want us to spend for them ...

Lobi items should go to Zen store, and Lobi crystals removed from the game as we could use that one inventory space for whatever else.
I bet that's a solution noone would complain about.

Aside from people sitting on a pile of Lobi crystals.