I can't find a way to disable the bank directly, other than by disabling the vbShop (I though there could have been a way but was wrong). What I would suggest is disabling the vbCredits system if it becomes a real continued issue, or disabling the post event (AdminCP > vbCredits II Deluxe > Events Manager > untick the
Active option for Post).
My settings for the Post event are:
Charge for Action: No
Post Amount: 0.01
Post Negation Amount: 0.01
I've also got Word Amount and Word Negation Amount set to 0.01, so whether not having that is part of the problem, I'm not sure. If there is a bug, it could be in that (and I'm using the Pro version).
On my site, when a user first posts, he gets a set amount (for example 1.14 credits). After he edits, the system eventually shows the negative amount of 1.14 credits, and then the addition of what the sum of the post is, for example 1.16 credits (he might have added two more words as per my settings).
Hmmm...
Now thinking about it, if the system has a loop hole it is in only as much as how you can perhaps, only on rare occasions, catch the credits. But in theory, the action of loading the shop up to do it should prevent the system from having the credits to transfer...
Ways around would include using a different currency for the shop (i.e. they have to convert as well, a potential for making it difficult), or by setting:
AdminCP > vBCredits II Deluxe > Action Configuration:
Allow Guests to Trigger View Actions to
Yes, as any action on the board will start making the money move correctly...
AdminCP > vBCredits II Deluxe > Global Configuration:
Process Transactions in Realtime to
Yes which would mean it would be instant, and unconnected to the user moving around. This has the warning of slowing things down on the site, especially very busy sites.
And a final word, I think that if you're users are this prepared to cheat a system, they ain't good users, and deserve an infraction or two... which will negate (if setup in events) the whole amount they have... preventing them from ever having enough to do it again...