Yes, the economy would be extremely centralized with this system... Spawntown makes most sense to me because the town has a very central location compared to other towns and in the rail system, but other ideas are welcome.
I think it could work okay with cargo lines. You should be able to get your items delivered to your area within a day if you just request them in a PM or something, and you could send items to the storage. With new working plugins I can see what people take from chests, so I should be able to see if people take the items from cargo chests.
Anyway, I updated the post, please consider the alternatives as well or any other alternatives you may have.
Because we have no transparency in the economy currently, and I won't let it continue this way.