Factions Account bound and other stuff

Bought the game Saturday and I’ve been playing like crazy.

Only 3 things i wanted for this game.

First, Faction’s reputation should be account bound meaning they wont start over when you create a new character? or is there a specific reason not to have this?

Second, Do you have plans to make health bars on top of the head on enemies or players and pets? that would be great.

Third, Do you have plans to add a World lobby with chat in the main menu to the multiplayer so we can start to party with other people besides friends?
This one would increase social interactivity by alot and the game to be known.

And sorry if there are other posts asking these things in the past.