sylvender wrote:What do the locked sections in the bank mean?
The difference between "locked" and "unlocked" items is whether they can be resold or not.
If you purchase an item from the kalon shop with USD, you're allowed to resell that item for between 80%-100% of what you paid for it - so a common MYO you purchase yourself for 10 USD would be unlocked, and you could sell it for anywhere between $8-10 (no more, no less). This also applies for points - if you purchase an item with DA points, you can resell it for DA points.
If you were to trade with another user for a common MYO, that item would be locked to your account and could not be resold, since you didn't purchase it yourself.