Thread:DQueenie13/@comment-28813896-20170201020153/@comment-918376-20170201174625

Adventurers have souls, unlike items. Adventurers' physical bodies do dissipate into light when they die, as do monsters and Landers, but when Adventurers revive, they revive at the Cathedral because the Cathedral has the power to reform the body and bind the soul to its proper body. The banks do not.

If Shiroe wanted to withdraw money from the vaults of inactive players' banks, he would have to go through the Kunie, as they run the banks. Considering that Kinjo forced him to go through the Abyssal Shaft raid because he thought that Shiroe would misuse the money he wanted, there is absolutely no way that Shiroe would be granted a request to access other players' vaults. Not to mention they'd have to go through the process of figuring out who is offline or not; if someone was on another server, they're listed as offline even if they were caught in the Catastrophe. Also, Shiroe isn't operating under the assumption that they can never go back or no one can come in ever again, so he wouldn't view the situation as being equitable to splitting a deceased one's possessions. (Also, that still wouldn't solve the problem Shiroe was trying to address, so what reason does he have to raid other people's vaults?)

You also have to remember that memory loss is so subtle that it's too difficult to distinguish what you've naturally forgotten and what was taken by the revival process. The memory lost could be something like the shape of a potato chip you ate when you logged on to play Elder Tale the day of the Catastrophe, or a spider you saw in your living room while vacuuming several months ago. It's not entire chunks of memory, unless you're going out of your way to die like the Odyssea Knights. Besides, it is entirely possible to go without dying. Naotsugu, who's been pretty actively on the battlefield and training, experiences his first death around seven months into the Catastrophe and isn't known to have died any time after that. Those who haven't really stepped foot outside of Akiba would probably be in little to no danger of dying. (And those who like journaling will probably record those things regardless of whether they get memory loss or not. But as a whole, the memory loss itself is barely perceptible and can be easily mistaken as something naturally forgotten.)