i've play on other sites for over a year and not once have i needed to use the time bank so that tells me a time bank isn't needed.
what i think helps out is that when it's hi/her turn the time bar will remain on the alias so when looking at the board you can see the cards think about what risks and hands that will already be ahead without the concern of a blue bar shortening below the board.
a way it could be done is the timer will be out of site on the alias but when it's down to 5 seconds an alarm will sound and now you need to hurry up.
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