Change "Bind to Character" to "Bind to Account" and this is pretty much the best solution imo.
I thought about this myself but decided against it. Still would be preferable to what we have now.
The way it stands now we may as well set Need to Auto.
I was once DKnight1000, apparently I had taken my own name so now I'm DKnight0001. If I ask you a question it is not an insult but a genuine attempt to understand why. When I insult you I won't be discreet about it, I will be precise and to the point stupid.
best solution: just get rid of the whole need/greed system and everyone just keep the drops they earned to avoid moochers that park at the start spawn and just sit there clicking need for everything without doing any of the work for it.