1) Im not sure which skill you are talking about but most of them have the custom feature. If you use that it will use the closest bank available.
2) The walker is handling that, again, which script are you talking about?
3) Where exactly in the game does it get stuck walking? Record and send me the -debug logs so I can report it to the client developers.
4) Most skills have the custom feature and you can choose your own location which means you can avoid spots with npcs.
We also have a discord with an #help channel where you ask other users.