Yes it's been brought up before. What if your squad could have access to their own bank and anyone who wanted to donate could so if someone is a perkaholic they can have some extra perkies granted someone is willing to help them. I for one hardly ever use my perk points so i wouldn't mind giving a couple thousand up.
Or if you don't like that idea how about a simple perk point transfer? So someone can't abuse the perk bank they have to ask permission for some perks to be transferred.
Not sure how hard it would be to set up, probably wouldn't be used very much either, fall into the depths of the help channel, but what do you all think?