Loaning

[Gold_Fusion]

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?

[mbahleda]

How about just working for your money?

Don\'t you know what happened in the roaring 20s? Everybody bought everything on credit and it caused the stock market to crash and therefore creating the great depression. While your system might work, there should absolutely not be any loaning of money form banks to players in the game. Work hard and be rewarded, not be rewarded first.

[Sifright]

very poorly written about the wall street crash and it didnt come about directly due to the people buying shares... jezz im assuming youve done history this year or last for gcse well lets get it right this is what happened in the wall street crash!
(a histroy lesson for those of you who dont know )
1)People buy shars on stock market and make lots of money so people then take out loans on there houses and pretty much any thing they could use as collateral for borrowing to make more money

2) The big spenders who put millions into the stock market begin to pull investment out to get all there money.

3) normal people shiting them selves about how much they invested and the fact that the big spenders are pulling out also pull out destroying the vallues of shares making all those who invested in shares poor and making most companys go bust this lead to less cash being around and less money to be spent on consumer good s which made even more companys go bust so more people unemplyed and so untill world war 2 were america got most of its wealth with the fire arms agreement cant remember the name right now :p

histroy lesson over Wow i just covered a whole lesson in 5 mins : o

edit : fixed up some sp errors quickly:

[Gold_Fusion]

Well, they would need to work for it - they\'d need to collect the \'tokens\' enabling them to get the loan. =P

[mbahleda]

Originally posted by Sifright
very poorly written about the wall street crash and it didnt come about directly due to the people buying shares... jezz im assuming youve done history this year or last for gcse well lets get it right this is what happened in the wall street crash!
(a histroy lesson for those of you who dont know )
1)People buy shars on stock market and make lots of money so people then take out loans on there houses and pretty much any thing they could use as collateral for borrowing to make more money

2) The big spenders who put millions into the stock market begin to pull investment out to get all there money.

3) normal people shiting them selves about how much they invested and the fact that the big spenders are pulling out also pull out destroying the vallues of shares making all those who invested in shares poor and making most companys go bust this lead to less cash being around and less money to be spent on consumer good s which made even more companys go bust so more people unemplyed and so untill world war 2 were america got most of its wealth with the fire arms agreement cant remember the name right now :p

histroy lesson over Wow i just covered a whole lesson in 5 mins : o

edit : fixed up some sp errors quickly:

I never said that it came directly from the people buying shares. It came from an econimic boom that was facilitated by the increased use of installment credit. People wanted these new products and used credit to get them. Soon afterwards, people could not pay off their debts. This econonic boom caused the stocks to rise and become unstable, and therefore this is a direct cause. I agree with what you (Sirfright) have written, though, though.

This was probably a bad example, but I was just trying to show that buying things on credit will most definitely lead to people getting into debt trouble, and this will ruin the economy.

[Gold_Fusion]

They could have items repossessed if they can\'t pay it back.

[DepthBlade]

Well I like the idea but I don\'t because it would be like real life, you get a loan can\'t pay it off but unlike real life their is nothing you can really do to get that money back in-game?

When I was little my sisters and myself played Monopoly alot and they use to tell me that they can take out loans, and they did over and over and over! There was no way I could win! When I got older and started catching on they ripped up the rules so I couldn\'t prove them wrong! They make good buisness women :]

[tygerwilde]

hmm, just something about this makes it feel really wrong. I can\'t put my finger on it...

[rumblebelly]

borrowing money does not seem like a good idea when you can quite easily work for it. or hunt or fight etc why waste your time trying to find crystal\'s as collateral when you can just hunt work or fight it seem\'s kinda piontless.
you would spend all your time trying to find the collateral but you would never find more than your dept   so you would never get ahead then you would have to borrow more and so on and so on....
it\'s a vicious circle that hard to get out of and that would probably create more beggar\'s than the usual in a game ...but that\'s just my two cent\'s  
(edit) as for the financial market crashing that\'s not going to happen in a game unless it is programmed into it so that is a mute piont

[dfryer]

I think the ability to lend and borrow would make the economy more interesting - you could always get sold into slavery if you couldn\'t come up with the money, or maybe have your kneecaps broken...

[tygerwilde]

hey man! my wife does that slave auction thing on yahoo, that\'s not my kinda roleplay

[Xanaroth]

Since there is no guaranty that you return your money, it is basicly that you \"sell\" crystals to the bank for money. Wont it then be better that these crystals are worthless to all people, but when you sell them to a npc (any npc takes these is) it would bring up a lot of money. A minor mineral would get you 100 tria, but a nice diamond could turn out to several hunderd circels.

[Cirque]

For corporations to pull money out of the stock market at such a rate that it induces a stock market crash, there would have to be some sort of economic degredation in the world. Thats why at certain times of the year the stock market moves more than usual due to people getting cold feet at the thought of previous crashes during that time in previous years.

[Draklar]

banks loaning stuff in medieval theme has funny feeling for me anyway...