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There are a number of reasons a Bard might not have access to a suitable area for the spell: He might have been ex-communicated for actions prohibited by the religion; that particular deity might demand some sort of sacrifice, whether monetary or some sort of quest, in order to allow a character...

Clerics who gain the ability to cast spells through their domains still have to obey the requirements of that spell. The fact that Word of Recall is cast as a bard spell doesn't mean the bard does not have to meet the requirements of the spell in order to cast it.

The word is LOSE not LOOSE. Second, sure you can cast wish to avoid the material component costs of a lower-level spell, but in doing so you avoid the use of any other 9th level spell. Any wizard who has made it to the 17th level is going to have both some pretty powerful enemies AND enormous...

You answered your own question, if a bard does not have access to an area strongly linked to her deity then casting Word of Recall has no effect. If a bard A) has a deity and B) has access to an area dedicated to that deity then Word of Recall works, if either one of those requirements are not...