Three comments about albion online
one of them adds to what you said about mercs:
1. I agree with moving laborers within same island buildings, not with trading them out of it, that would really mess things up. Still, you can have laborers in cities as well, so this would make that hard to achieve since you could trade them within a city already if moving between buildings was possible.
2. Crafters: actually I get my .4 resources from either crafter laborers or chests... not from gathering them myself. So they are still somewhat useful alone for this in intermediate tiers. I think it is somewhat unfair to gatherers. I would rather find them in the open world more often, and I don't mean in chests. People who focus on gathering are at the biggest disadvantage here. They get beaten in finding .4 by the crafter laborers and chest hunters, a bit weird.
3. My merc laborers are currently tier 6, I am filling t5 and t4 books only as of now for them, they return 150% both tiers due to good amount of trophies. Still I get more money back when I hand them t4 books, even though those are much easier to fill. As you said yourself, thats messed up.
Albion Online Gold Exchange and Market Dynamics
It seems weird that you can buy premium with both Albion Online Gold and Albion Online Silver at a ratio of 17:1, kinda defeats having an exchange as surely the option to buy premium with either would keep the exchange rate at exactly 17 to 1?
Albion Online seems to be lacking the play / counter play part of PvP
At the moment, we have but a single utility role within Albion Online: The Healer, and you can say what you like about the levelling of them, when it comes to fights – these guys can turn the tide.
Albion Online will not be the trail blazer
Anyways nothing about Albion Online stands out and you can tell that by the point the developers tried to emphasize was "cross platform" feature which has really been a setback more than an advancement
Regarding the concentration of territories in alliances and the overall GvG unbalances
The guild or alliance chooses which of its territories will have positive defender bonus, and how many. The guild/alliance distributes the bonus freely
Albion Online Destiny Board revamp
If a new player wants to be more useful, why not allow them to compensate for being new by purchasing T8 gear and jumping into the action? They still have to come up with the Albion silver to buy the gear, while being more likely to lose it, so it'll only boost the economy more.
Suggested improvements from a new albion online player
In general, farming activities progress more slowly than other skills. You can't repetitively farm crops like you can kill mobs, needs to go faster to keep in balance with other progressions.