Ah. Forgot about that part of the admin interface. That definitely solves the immediate issue but I wonder if there's a way for the mod/website to handle that automatically.
Not reliably. The big threat is an officer who doesn't have access to see a top-level item in the guild bank, who then uploads, and in the process, deletes the legitimate guild bank that exists.
So as it is, extras will need to be deleted manually at current.
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It's all in the reflexes.