So first off a hard no to a bank in your PoH.
To the rest of the suggestion, the problem with adding 99 perks is that you dont actually make 99 skilling better, the market will just shift around that being the efficient method and everything below 99 will lose profit/cost more to skill than it already does. Economically this doesnt make sense and im against more 99 perks in general, the reward is the cape and the prestige, not that you suddenly unlock more things