I have only bothered to get ONE banner. New Magincia on Chesapeake.
I too wonder, if loyalty wears thin, what good is the banner I worked hard to get in the first place.
Actually my own peculiar concept of a *reward* for doing good deeds, is a FREE reward that does not decay once we earned our stripes doing the loyalty bit to begin with, but that is just my own peculiar concept.
It about blew me away that to get the reward for all me good deeds putting out fires, pickin up trash, arresting myriads of angry rioters, that I had to PAY 250k to fetch the banner. Good gold sink.
Then to learn my loyalty will decay even if I do not keep on keeping on with it all, um like not fetching more banners if I have to keep doing arresting, putting out fires etc. on my home owner to keep his banner nicely placed and able to put it back up again whenever later on if I would want to remove it for a while etc.
Just peculiar to me once we do the amt of loyalty we needed to even GET the banner to begin with,
that should be it, let us KEEP our loyalty..to keep hangin our banner to wave off our porch or walls till forever !

Due to the loyalty issues, I haven't even bothered to gain loyalty on any other characters on either shards I play upon till I know we get to KEEP our loyalty or banner etc. for good and that it remains USEABLE !
Atm it seems the town banners are sorta like if my local used car dealer asks me to help them clean out their car lot, and if I help em clear out old tires, pick up the trash they will reward me with a brand new used car. WOW I think ok I'll help yall out. Then after I get my new used car reward, I get told, ya can drive it for awhile but in order to keep it ya have to keep cleaning up our used car lot, and oh by the way, pay us 250k for your reward too.
I DONT THINK SOO !
But what do I know !