You do realize, that this behavior is what causes a bank collapse? Banks run on trust. the moment banks lose this trust, and people withdraw money the banks collapse. This thread looks like an attempt to cause chaos really.Be my guest then, go ahead and place your trust in the system that has failed twice already and is bound to fail again, you nimrod. 0/10.
Besides that, perhaps banks shouldnt give out any interrest. For the sake of keeping things working.
Although I don't know what happened on CBT I think money should be safe for some time.You don't use the banks? Gee whiz! Of course you don't, you lost millions of caps like all of us the last session (didn't you?). If you still used banks, that would mean you're retarded, but apparently you aren't! Congratulations!
But I don't use bank anyway.
It's not safe unless it's in your tent!Which you can rob.
You don't use the banks? Gee whiz! Of course you don't, you lost millions of caps like all of us the last session (didn't you?).
words
It's forum. It serves free talk. Everybody have right to voice unless he's breaking some of the forum rules.They sure do. But the original poster has rights too, for example the right to tell them that they're posting in a wrong thread. Or maybe he doesn't? I'm getting confused here...
in newbie tent it's not really safe either, because someone can easly follow them from gridThe bottom line is that if you put your money into a container in your tent, it's up to you to make sure nobody takes it away. If you deposit your money in a bank, there's nothing you can do to prevent it from being rendered largely inaccessible to you at any given point in time for no apparent reason.
(...)You have no idea(...)What you are saying is 100% true in the sense that I am no fortune teller. I do, however, recognize a pattern when I see one. I can see that the interest rates are back. I can remember what they led to the last session. I can remember what they led to in the last CBT. I do not know whether or not the problem will arise again. It might well be that it won't. It might well be that I have just prevented it from arising. It might just as well be that I actually caused it again by starting this very thread, thankfully only on a tiny scale, since there's not too much money around yet.
I really don't understand, can someone explain to me why don't banks have infinite money, money that isn't kept on an npc, dammit.
I really don't understand, can someone explain to me why don't banks have infinite money, money that isn't kept on an npc, dammit.
To put it simply. The banks will not crash.(http://3.bp.blogspot.com/-jxUvZ2YRZyw/TnXz3QSrnhI/AAAAAAAAAIk/kGzM-65_y_E/s1600/i-want-to-believe.jpg)
/Thread
Withdraw away, the system will sort itself and you'll lose your interest :)
Perhaps every few months we could change currency (oh I'm sorry, we don't accept "caps" anymore. Haven't you switched to "Hub-bucks" yet? I suppose I could exchange them for you 100:1, but only cuz I'm such a nice guy.)This is actually a very good idea. +1 to the whole post, this needs to be seen.
from negative to positive values
No bank in the history of the earth has ever or will ever add a negative value to interest.
On the other side, there will be panicked withdrawal of money from Frisco - yet, since there won't be a possibility for every player to watch their account for 24/7, there will be always loss for some players and, winning for another, more awake ones.
No offense, but you are speaking from ignorance. Even if we ignore the common practice of banks exceeding interest payouts with non-service related bank fees, it is often the case in conflict countries for banks to charge either a substantial flat fee or negative interest for protecting your money. For example, this practice is still rampant in post-earthquake Haiti, as the only other options are to carry your money and risk mugging/skimming, or keeping your valuables in an easily ransacked tent. Insecurity leads to protection charges.just noticed this.
just noticed this.activity fees, transfer fees, minimum balance penalties, atm fees, "maintenance" fees, interstate/international "processing" fees, currency exchange fees... and that's just for normal countries, not including bribes or protection money... have you ever used a bank before?
Banks do not cost anything to store money in
and you actually make some money storing it in an account.you're lucky to find a bank that gives 0.25% interest. most banks, if you hold less than a few thousand dollars in your account, will charge you more in monthly service and maintenance fees then you will ever make in quarterly interest.
There is that first "flat-fee" to make the account but it is hardly of consequence.Most real banks don't do this anymore. Why make a barrier to new members, when the real money lies in fees and investing their deposits. In 2238, the bank fee seems to be simply a money sink to control the economy, and a minor barrier to slow down alts
And they do not charge negative interest as you say.all you need to do is google "negative interest rate"... there's even examples of non-conflict/non-third-world private and public banks going negative.
They only charge you for withdrawals.You have obviously never used a bank before... underaged?
b) Minimum amount of money or you are charged? NOP (actually Barclays does this but not Natwest and HSBC)