Money related Ideas

[Silverblade]

Hey, you know what would be quite cool...

This probably isnt the most original idea. In fact i woud even go so far as to say it\'s not even the second most original idea.
But anyway, If you could get loans from banks, and you have to pay them back with interest. And if you dont pay up, you get a few warnings, then some of your items may get reposessed.

For example, say I was an aspiring young money maker, I could go and get a loan from the bank. I could borrow enough money to purchase myself a Megara or Pteresaur, and make the money back by giving people rides and taking them to places they want to go (for a fee, of course). I would pay back the loan with the money I make, then when I break even, it\'s all profit from there.


The downside to this is that it may make valuble items, such as Pteresaurs or Megaras too easily accesable.
And something I just thought of, being a free game, people may start up a new character, borrow heaps of money, give it to another character (also owned by them) then leave the other character and his debt\'s to go to hell.
The solution to this may be that to get a loan, you need credibility. For example, you need to have played the game for a certain amount of time, or you need to be a certain level ( I know there are no levels, but something along that line... maybe a certain amount of experience... however that aspect of the game works.)
 

[Kiern]

Originally posted by Silverblade
The solution to this may be that to get a loan, you need credibility.

 I was JUST about to post that until I read the end of your post, good thing I read through

Anyways, great idea, and although it might not be THAT original I certainly haven\'t seen it in a game yet ( that I have played at least )

Maybe for the credibility you need a combination of what you said and having been around for like a month or something and cannot borrow A LOT of money more than once

[Egyn]

cool idea.

[Silverblade]

Here\'s an Idea, the longer you are around, the more money you can borrow. Or the more skilled you are.

Example,

If you\'ve played 2 hours, you can borrow 50 tria
4 hours = 100 tria
6 hours = 200 tria
8 hours = 400 tria
10 hours = 800 tria

something along those lines.

[Aduin]

Not a bad thought Silverblade, but the problem of free money is still there. If someone had like two or three computers, they could create three new charecters, leave them on for half the day, come back, get some decent loans, and transfer the cash off. Mule-ing is an issue in everygame, and i really am looking forward to seeing how it is resolved here. A solution, at least to the loan problem is, if you take out a loan, and you don\'t pay it, and have nothing to be reposessed, you can have that charecter banned or something. And then, if a certain ip has two or more of these banned charecters, their ip should just be banned from the game, so they can\'t play period. This is complicated, and there is still the room for a person to do it once, but it should help to cut that down a bit.

Hmm... another possibility, would be that just as in real life, you have to have collatoral(sp?). You can\'t take out a loan for more money than all your possessions are worth, so that way, if you don\'t pay up, they know they can come after you, and you\'ll be able to pay it. Unfortunately, even with that system loans could be exploited, so i don\'t see them ever acutally working in game, but i do really like the idea.

[Aruneko]

Perhaps credibility could be based on time and on how reliable you are financially.  If you return all your loans successfully then you will be able to borrow more money.  Something must be thought of though, to weed out those who would borrow some money and then return it in the next 5 minutes.

[Aduin]

An idea has come to mind, about how to deal with this issue. Any kind of computer run loan system could be very easily exploitable. Because of this, maybe there could be a GM or someone in charge of loans. They look at each person on a case-by case basis, and make sure that everything is paid back. Unfortunately, there is still room for error with this system, and I doubt anyone would want to spend their time reading through a whole pile of requests.

An alternate solution, is to create facilitated loans between players. So if you need money, you can goto some other rich player, you both work out how much, and over what period of time, and interest, etc., and agree to it, basically putting your signatures on it. Then, if the person who borrowed the money doesn\'t pay back within the time agreed, the loaner can file a report or something against them, and have a GM investigate, and reposess or ban appropriately. I think this would take less GM time than the aforementioned proposition, and it creates possibilities for people to gain money as bankers, or loan-sharks. It would still require GM time, in the cases where someone tries to exploit the system, but at least the GM won\'t be instrumental in the creation of the loan, only the enforcing of it.

[Silverblade]

The first idea about GM granting requests for loans on a case-by-case basis, although it sounds good, would not be feasible.
Although there may only be a couple of hundred people following the game right now, being a MMORPG, there will eventually be thousands and thousands of people playing. Individually granting loans will take up the time of many GM\'s that could be better spent elsewhere.

Loan\'s and deal\'s between player characters would be a very interesting aspect, and I think, should be explored further.

[Vengeance]

I love the idea of PvP loans and borrowing, personally.  I hope we can do those types of things.

- Venge

[David_HD]

Originally posted by Aduin
And then, if a certain ip has two or more of these banned charecters, their ip should just be banned from the game, so they can\'t play period. This is complicated, and there is still the room for a person to do it once, but it should help to cut that down a bit.

I have no trouble changing my ip; in fact it\'ll change on its own periodically. Doing it by ip would be silly.
Your idea of requiring collateral is much better. If in order for a player to borrow money they have to have made at least that much money, it would be silly to create a character just to give their money to another character, as it would probably be simpler to just make that amount of money with the primary character, particularly when the character is of relatively high level.

[Link]

Sure, you can change your ip, or it changes automatically, but the first and most of the time, second set of numbers don\'t change, Unless you change ISPs or use Proxies (very bad for games) then you can easily ban someone from a game by banning those first two sets of numbers if your ip was 68.256.45.245 and you can get it changed it would most likely change to something like 68.256.45.279 the first two sets would stay the same so they could just ban 68.256.* and most likely take care of you, Or they can call your ISP and get your personal info and call Mom and tell her what your doing and also notify your ISP of what you are doing. Works when you have script kiddies attacking your IRC network with DoS clones anyways. I don\'t know if evading bans is against any laws but if they complain to the ISP enough they will suspend your service.

[Keldorn]

The idea of loaning money is also used in Daggerfall (the one before Morrowind). Ofcourse this is a singleplayer game so you don\'t have to worry about the kind of problems mentioned here.
In Daggerfall you could get a note of credit (i think it was called that), which you could use to buy items.

But loaning money is a good idea, and implementing this idea in an mmorpg can be a good idea if done right.

Hey, maybe if you\'re really rich you could start your own bank!

[BaretteDeBeurre]

if the karma system is implemented, we could use it as \'reliability\', as you should have played a certain amount of time in the \"good path\".You should access loans starting a certain \'level\' of positive karma. And loans shouldn\'t be money but, as Keldorn said above, a credit note that only the character named on it could use(like a credit card) and the cost of the things payed with it would be deduct directly in bank\'s money. And players with enough money should be able to build banks.

[Tornado]

if you could make the money to pay back the loan in the first place then why make a loan??

[Xaminor]

I prefer the pvp approach.

a simple and effective way to determine credibility is to loan some one a modest some of money.

My previous experience with guilds was they are very effective in loaning/ giving items and money, and very effective in dealing with any who abuse the prviliages of a guild bank.. etc.

jmo

xam