It would be nice to have npc's inside faction HQs to wich we can exchange caps for faction money for a certain exchange rate: I.E. 2 caps for one lawyer bill or whatever rate feels apropriate.
Reasons: Only way to get faction cash right now is trough pvp, and only (decent) way to get good gear is buying it from heart vendor who only accepts faction cash. No money->no good gear->keep losing in pvp->No money.
When there is no pvp going on, people could still scavenge and sell to vendors, then trade caps for faction cash to prepare for pvp. Scavenge-> sell for caps->trade for faction cash at X exhange rate->buy pvp gear-> Fun!