Every game is going to have issues when it launches; the good ones acknowledge those issues and keep players updated on the state of those issues and their solutions. Albion Online has run into some growing pains since its launch, and the developers are working hard at fixing the biggest ones, discussing the issues behind overcrowded areas, lag in larger fights, and periodic server reboots. Creating instancing for high-demand specific features like banks, for example, will allow players to access those zones even when crowded while keeping the rest of the world non-instanced.
Ultimately, the team is going to compensate all active players with an additional seven days of subscription time as a means of amelioration for the issues they’ve encountered. It also might help soften the blow for things like the most recent patch coming with a shiny new data rollback, which is resetting character data by 15 minutes. Not enough to end the world, but you still notice it; it’s the growing pains of a newly launched game.