The search didn\'t bring anything up, so...
I\'d like to see a loaning money as an option in the game. To stop exploiting it, perhaps the character would need to first work to collect X (let\'s just say Crystals for now
). These Crystals aren\'t easily available, so you can\'t just make a new character and pick them up. They are also worthless to everybody except for the bank - in fact, they cannot be sold or dropped, stopping a person from dropping his main character\'s ones to his \'mule\' character. Thus, the only way a character can grab these Crystals is to find them himself.
Now, when he goes to the bank, these Crystals are a sort of token of reliability - the more Crystals you have, the more money you can be loaned, up to a certain point. The bank then possibly takes the Crystals off your hands and remembers how much money you\'re good for. When you reach the point that Crystals won\'t increase the maximum loan you can have, you don\'t find them anymore, simple.
This seems like an exploit-free way to me, albeit maybe a little complicated. It\'s just a suggestion though.
EDIT: Perhaps the Crystals could increase your maximum loan, but you still need items of equal value or something?
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