yes
those are some good reasons to have a gaia bank
but
theres also a simpler way tat we can use for now
one way:
set up a plan on how long you will earn gold and not spend(for example, 2 hours)
and spend gold (for example, you can have 1 hour to spend money or
do whatever you want)
second way:
write down how much you have
for the rest of when you wanna save
you can only spend higher than that amount
(for instance, you have 5,000 gold. You wanna save for the rest of the day.
write down or remember that you had 5,000 gold you wanna save for the day. Now, it's 2 hours since you were on your Gaia last. You have 6,000 gold. For the rest of the day you can spend only what will keep you having at least 5,000 gold.
So if you bought a nice outfit for about 940, you would have 5,060. It's still more than 5,000 so you're safe.)
of course, we cant do this EVERY day, but we can try to save as much until Gaia has a Gold Savings Bank.