You are probably using RoF2, the guild bank will make your client act strange so stay away from doing that.
Yes, you can remove instancing with the player.pl file, easy to do.
Keep in mind you will have to edit your doors for Guild Hall on the RoF2 client, otherwise there are none.
Hmm, just reread and you say you are using the SoF client? Most of the issues you discuss are related to RoF2.
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