Hi c00ster!
You can buy packages which helps you to get exactly that things from the chests what you want.
http://prntscr.com/agnw1gNext package for the 15 diamonds chests costs 60 diamonds. Then you will find the same never empty packages for all the chest types. It is worthy I think.
Instant transport is always unavailable under attack, except there is a significant difference between the attacker's and defender's army.
But I agree on that the items do not belong to the temple. We need resources and troops from the chests.
To solve this IO could triple the number of items which can be find while we attack independent cities and barbarian camps.
About the bank, your suggestion will be forwarded for review, and thanks for the ideas.
Also keep in mind that there is so many players with different playing habits. There is two main groups, those who playing for attacks and those who playing for defense. Well, Imperia Online have to offer enjoyable fun for both of them. This is one of the reasons why we need the possibility to loot gold.