Hell no, the wasteland looks makes it look like we need work to do, which is why we're so primitive.
And about the diving
There should be more rewards than just blue dye and stuff, make some Sea Orcs or something, or yeah - a spell to breath under water for a short time.
To recharge Mana
Maybe if you're a wizard (Next update) you can recharge mana faster, but if you're anything else you'd have to go to an altar and pray.
To recharge Health
If you're a monk you could recharge without any help, but slowly and if you're anything else you'd need to drink a potion or go to a church in like Starboard or something. Or sleep.
About the bank ordeal
There should be that, so people can finally stop making 27 1/2 accounts.