Bank loans

The main reason that pushed me to the base idea of this addition is that one of main causes that players leave is that without money (if for example they spent it on something useless, or suddenly became bankrupt) they are hopeless to progress in the game. Some conclusions bankruptcy has is:

• No guns and armor to protect themselves when trying to enter a base to process the drugs they previously harvested.
• No horse for travelling. The travelling times are huge when walking by foot. Most players would get bored not even halfway. Therefore most would leave the game.
• General disadvantage like written above as progress in game is not possible.

Now, how can we put this idea to work and make it abuse-proof?

First of all, players would go to the bank. There is an NPC, like there's currently, which when clicked the pop-up GUI would show one more option called "Loan" (preferably a gold block but that's just a small detail). A message would show in chat asking the player to enter the amount of money they would like to borrow.

The money is later given to a new and distinct carrier for money similar to the current "Wallet" with the main and only difference that the money that is carried in there cannot be dropped. Furthermore, if no money is returned to the bank the player would not be able to borrow any more money until he returns his previous loan.

And for the ones that don't return their money we could use these discipline methods:

1. Make it possible to have a negative amount of money ( -x money ) and therefore make them unable buy anything until they get back all that money through selling ores/drugs for example: I didn't pay back the money of my loan and therefore I have negative -(x money that wasn't paid back). If I paid back for example half of it I would get the negative money halved. (Credit goes to @_Karst for this idea).
2. Be put to prison with the bounty being same with the amount of money that wasn't returned, or higher by an analogy.

Even with the money part sorted there's still the item dropping part, I will talk about it up next.

The individual would only be able to buy whatever he wants with that money, whether he uses it with the addition of his wallet money to pay for something they didn't enough money for or fully through his loan money.

This means no Casinos and drinking (actually the Bartender could work as no money is transferred to a different person in any way unlike the Coin Flipper which there's a chance of that happening).

As for the item dropping we could use this:

• We could make items that were bought with loan money unable to be dropped until the loan is returned to the bank. Then the player is free to drop it, gift it etc.

I think these would help the idea to be put to work.

What do you think of this updated version of the idea?

 

I see the main issue with this, very understandable but I came with a solution (I think).

I like your idea Fadaad8 and _Karst, it may work this way, plus that little prison time to discipline the wrong doers.

And as to give a solution to the alt abuse, we could simply make loans un-droppable by making a distinct thing similar to the wallet with the only difference that it would prevent people from dropping money to give it to an alt.

 

I think _Karst's idea will make it far less abusable to zero abusable at all. It is a very solid solution from my point of view.

Spoiler: This

I like the concept, but as Eil said. It is very easy to abuse.

You can have -[amount money]
Example: I borrowed 100k.
I give 60k back.
My moneys says -40k.

This means you can't buy anything. You first need to pay the 40k, otherwise you can't buy anything. I think this is less abuseable and a very good system.

 

Yes, this was one of the main issues that came up.
Do you think those would solve it? :

+ double or triple the prison time depending on the amount of the money that wasn't returned.

 

Understandable.

Will do later today.

As to put all the pieces together:

The main reason that pushed me to the base idea of this addition is that one of main causes that players leave is that without money (if for example they spent it on something useless, or suddenly became bankrupt) they are hopeless to progress in the game. Some conclusions bankruptcy has is:

• No guns and armor to protect themselves when trying to enter a base to process the drugs they previously harvested.
• No horse for travelling. The travelling times are huge when walking by foot. Most players would get bored not even halfway. Therefore most would leave the game.
• General disadvantage like written above as progress in game is not possible.

Now, how can we put this idea to work and make it abuse-proof?

First of all, players would go to the bank. There is an NPC, like there's currently, which when clicked the pop-up GUI would show one more option called "Loan" (preferably a gold block but that's just a small detail). A message would show in chat asking the player to enter the amount of money they would like to borrow.

The money is later given to a new and distinct carrier for money similar to the current "Wallet" with the main and only difference that the money that is carried in there cannot be dropped. Furthermore, if no money is returned to the bank the player would not be able to borrow any more money until he returns his previous loan.

And for the ones that don't return their money we could use these discipline methods:

1. Make it possible to have a negative amount of money ( -x money ) and therefore make them unable buy anything until they get back all that money through selling ores/drugs for example: I didn't pay back the money of my loan and therefore I have negative -(x money that wasn't paid back). If I paid back for example half of it I would get the negative money halved. (Credit goes to @_Karst for this idea).
2. Be put to prison with the bounty being same with the amount of money that wasn't returned, or higher by an analogy.

Even with the money part sorted there's still the item dropping part, I will talk about it up next.

The individual would only be able to buy whatever he wants with that money, whether he uses it with the addition of his wallet money to pay for something they didn't enough money for or fully through his loan money.

This means no Casinos and drinking (actually the Bartender could work as no money is transferred to a different person in any way unlike the Coin Flipper which there's a chance of that happening).

As for the item dropping we could use this:

• We could make items that were bought with loan money unable to be dropped until the loan is returned to the bank. Then the player is free to drop it, gift it etc.

I think these would help the idea to be put to work.

What do you think of this updated version of the idea?

@Hitchens, @Eil, @SoCool21, @Doges, @Pyrotheum, @ovq, @TheTitaniumTitan, @Meepism,

@and mah doode who wanted this brief explanation Fadaad8 <3.