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| Author | Why not have a bank? |
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I'm pretty sure this topic has been brought up before, but just in case it hasn't, then I'd like to propose the creation of a bank in the game.
The purpose of this bank, is not for security as another poster suggested, but to increase one's gold, just like a real bank. As many have noted, at higher levels, players have higher expenditures on buildings and items, and it becomes harder to finance good equipment even by hunting alone and enrolling alone.
I know many people have different opinions on the current balance between war and money right now, but in my opinion, the heavier emphasis should be on the war part, not the money part. Nobody would be playing this game if there was only money but no fighting. On the other hand, taking money out of the equation would not be fatal to the game. Thus, I would like to see the financial burden on players reduced so that they can enjoy the game for what it was meant to be played for.
Anyways, the bank that I'm proposing should have something like the following features:
- No deposit or transaction fees, and deposits and withdrawals can be made anytime and as many times as you wish per day
- The bank should be a physical structure like a sawmill or ore pit, and placed in every province (or at least some of the provinces), and players could also work at the banks for a salary wage as well
- A small % interest gain will be added to the player's account at midnight every day
- To prevent abuse and domination by wealthier players, the % interest gain has diminishing returns with increasing amounts of the player's deposit. Eg, for 0 - 10k gold, the % is 1% per day, for 10k - 25k gold, 0.9% per day, for 25k - 50k gold, 0.8% per day, and so on and so forth. After a certain amount, say 1 mil gold, there will be no gains to be made at all (if you have a mil gold or more, you probably don't need a bank to help your finances as you clearly know how to make money with the current system)
The main reason I'm proposing this is because not everyone can afford the time to enroll frequently, and every battle with arts means you are effectively losing gold (if you lose the battle), or earn some gold if you win but have your arts durability reduced, so it's not a sure thing to earn money through battles alone.
I understand people may also abuse the banking system I have proposed through multiple accounts or some other means, but I don't think this should be a preventive factor as there are already people abusing the current system, and besides, if it helps the greater good, the its aim would have been achieved.
Thanks for reading and any feedback would be welcome. | the heavier emphasis should be on the war part, not the money part.
I agree on this ever so much.
The idea is a good one, I myself once posted on another idealist's thread as well on a bank idea. But I particularly like yours due to its characteristics, almost the same on mine. Very more likely this idea will be beneficial IF implemented. | +1
nice idea for the interest system.. | +1
nice idea for the interest system.. | Thank you all for your nice comments. Any criticisms or suggestions for improvements would be welcome too. This is just a rough idea from me, and if it were to be implemented, some refinements and testing would certainly be needed.
But the big question now is whether the admins would ever read this or not, of course...let alone agree to it... ;p | | It's ok. But an interest of 0,5-1% every day is too much. I rather have it like 1% interest every week, with no diminishing returns. | I guess they wouldnt agree, because it is basically a system that gives you gold for NOTHING. And there have been other similar attempts.
..but to increase one's gold, just like a real bank.
Are you really sure this is what bank does? I am not an economist, but I always thought money actually LOSE its value when they are just sitting in a bank, thats the point of investing.
And while we are at it investments: Right now, estates and market items serve as something you can put gold into, to raise it slowly and patiently. | If we compare it to the investments in estates(and in the real world, proper but safe investment gives you money about 3 times faster than bank) we should get real rates too.
I think about 0,01% daily rate would be what a real bank would give you if you wanted to withdraw your gold anytime. Maybe up to 0,025% daily, if you agreed on normal half year withdrawal terms.
Then it would be almost fair compared to the present estate owners. | We don't have a bank because its implementation is forbidden by game rules.
https://www.lordswm.com/help.php?section=5
3.21. Any banking and bookmaker activities are prohibited without exception.
Banking activities - granting loans with interest, receiving money from other players on deposit accounts, pawn shop business, insurance operations or any other bank activities. | | closed by Lord Kotrin (2010-02-24 14:59:50) |
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