The reason you don't get the revenue straight into your bank account is that it's too exploitable.
It would be an easy way to circumvent the "max deposits" limit, taking ma**ive, Ma**IVE amounts of money out of the game and putting it safely in someone's bank.
You don't buy stuff straight from your bank either, because if you did, what's the point of your pocket? Why remove all of the risk that your money will be stolen? How will ANYONE earn any money if it is so easily secured?
Your point revenue is temporarily stored to enable you to sell while you're offline. It expires swiftly, because you are supposed to collect it and bring that money back into the game.
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Consider this: someone needs 
500,000,000 Cr stored safely. They only need a multi or someone they can trust..
500,000,000 Cr stored safely. They only need a multi or someone they can trust..#1. Multi puts points up for trade at above-average price.
#2. Player buys points, money goes straight into multi's bank.
#3. Multi keeps it safe until Player needs it, or multi just wires it to Player and suffers a slight loss from the tax.
Or, even simpler:
#1. Player trades item with Multi for money.
#2. Player puts points up for trade.
#3. Multi buys points, Player gets money straight into bank.
#3. Multi transfers the points back to Player.
That way, they get their points back, and ALL of the cash into their bank account.
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There are tons of little exploits that could take place. At least with temporary storage, they have to collect the money or face losing it.
The banking system itself is due an update, but as long as it works as it does currently, l really don't think that earnings should be banked automatically.
A couple of people have suggested making player Credits less volatile. For instance, instead of attacking a player and getting x% of their money, you would get an amount based on the money they had. I'll explain this in another thread.
Invisible War ][
Edited 2 time(s). Last edited by Cyberkilla @ Thu Jun 3 19:03:05 EDT 2010