EJ have access to their gold. When they say ''bank'' the balance window is what pops up, so they can move gold around from secure, etc. Depositing gold is a bit of a chore since they have to physically go to a bank to click a button and target a stack of coin in their pack. (They cannot use bag/chest of sending or use a vendor as a gold unloading station.)
They are talking about ways for storage, it just won't be right away. I think there is so much concern over people abusing EJ that they are starting off with
massive restrictions.
I don't know how stratics feels about linking to other sites or forums, so I won't. But there are several threads on the official UO forums (down in customer service is where the categories are for TC1, which is where EJ is now) where you can make suggestions.
Until they get something worked out for withdrawing storage concerning older vet accounts, maybe you could consider starting a new character just to have some fun
You'd have access to your main account's equipped gear, pack and beetle contents to borrow from to get a head start. For additional storage, just make another free account and use that one's pack and beetle. The loss of SS sucks, but it does not mean you cannot have fun with UO and visit old friends and make new ones. OR you could make a small investment in your existing account by subscribing for a month, clear out your bank, then wait another 3 months to qualify for EJ again. In the meantime, play a new char.