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Other => FOnline:2238 Forum => Archives => Suggestions => Topic started by: Dumb dumb on February 21, 2013, 12:25:08 pm
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As the title says, allow players to get a loan at banks; with a ludicrously high interest rate, negative karma every in game day and a few other unpleasant surprises if the players don't pay their debt.
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As the title says, allow players to get a loan at banks; with a ludicrously high interest rate, negative karma every in game day and a few other unpleasant surprises if the players don't pay their debt.
I'll make alt especially to take those 10k caps buy base and deleteself, great idea.
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I'll make alt especially to take those 10k caps buy base and deleteself, great idea.
Then tie the debts to the IP rather than the "account"
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Then tie the debts to the IP rather than the "account"
proxies?
Dude, that won't even happen.
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no lending to dumb people, nor abusers, nor cheaters! (no offense) Remove banks at all! Make them auction halls!
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no lending to dumb people, nor abusers, nor cheaters! (no offense) Remove banks at all! Make them auction halls!
Just get it - you need to look at the suggestion from every side - mostly from abusers side - if not...
(look hinkley abuses, caravan abuses) before getting any approval or even adding it into game.
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That's why it's called a suggestion.
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I say make tons of alts, get tons of loans, put it all in one bank account and let the interest grow, then withdraw it all and dump it in the wasteland. Sounds good for the economy. How long before you could bankrupt the bank?
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Then the banks could only lend to people that are lvl 24; the ammount lent could be indexed on barter skill; and the player needs to be in a player faction; this way the faction gets the debt, it requires a base, an alt for which you spent time leveling etc.
Also it could make use of the useless gambling skill.
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once you are level 24, faction member... Why would you need loan?
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Then the banks could only lend to people that are lvl 24; the ammount lent could be indexed on barter skill; and the player needs to be in a player faction; this way the faction gets the debt, it requires a base, an alt for which you spent time leveling etc.
Also it could make use of the useless gambling skill.
Who would then take loans, if it is easier to make slave run or other shit, even selling spears to junktown girl is giving more cash, than loans would.
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So what harm could loans do ? So far you're only explaining how to pay them back...
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So what harm could loans do ? So far you're only explaining how to pay them back...
But who would take them if we got better ways to get caps without drawbacks?
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But who would take them if we got better ways to get caps without drawbacks?
There's no real point in taking a loan IRL, why would there be one in the game ?
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There's no real point in taking a loan IRL, why would there be one in the game ?
LOL So why are you even suggesting that? :D
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you must understand this is bad suggestion, since there is no use for loans, thus nobody will implement feature.
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Should all the features be really usefull ?
lets count the redundancies:
items: Crafting -> farming
money: selling spears -> slaves -> items -> quests
Xp: molerats -> aliens -> centaurs -> floaters
Wait, thats not redundancies, that's alternatives.
So yes, as stupid as it seems it could be another alternative.
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Another alternative, another way of alt grinding money, that's just perfect. :)
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What if I take loan, then leave player faction and delete alt ?
It was asked already, but why would lvl 24 need a loan for ?
How do you want to enforce paying debt back ?
No need for another broken feature.
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Loans should be given out by players, just like in Eve online.
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Bank loans...yeah!
Make it required that the player character be a member of a large enough player faction, and tie the debt to that faction. Need a co-signer there too tagged to borrower, both chars level 24 and both have to have some serious high skill of some sort to impress the lender.
Then if they do not pay, the bank sends out collectors, tough armed fighters to find you or your co-signer or anyone else in that faction. They hunt you until the debt is paid.
The purpose of this feature, as i see it, would not be a way to get money as much as a way to add challenge to your game with collectors constantly hunting you (and your friends) down.
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Useless, unneeded feature, that'll take precious development time and end up either exploited or underused.
No.
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unneeded feature, that'll take precious development time
Trivia:
Deep in scripts/ folder, in one of files which nobody dare to read during night, lays a code which never come out to interact with players. That's a place where ancient loan functions are... hiding, and waiting...
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We need NPCs who automatically flame and say "no" to dumb dumb's ideas, seems it would save some work for many people around here.
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Come on guys, just because an idea might be bad, or unneeded doesn't mean you all need to go T-888 on the person who posted it. Remember Bad ideas lead to wisdom more often than good ideas. So it wasn't an idea that could be done, or should be done, ok, it's been discussed, reasoned, and finished. Leave the hate for the noobs, and move on.
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I think it should be like IRL.
If you want to lend 10K caps, your account at FLC must be at least 20K caps high.
If havent paid the credit, your faction cant have the cash.
If you don't pay, it is being taken from your account with higher interest.
If you pay properly and often for larger amounts, you get good rep with FLC and get lower interest on your debts.
This way FLC will have enough cash to pay out if the players find this profitable.
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I think it should be like IRL.
If you want to lend 10K caps, your account at FLC must be at least 20K caps high.
If havent paid the credit, your faction cant have the cash.
If you don't pay, it is being taken from your account with higher interest.
If you pay properly and often for larger amounts, you get good rep with FLC and get lower interest on your debts.
This way FLC will have enough cash to pay out if the players find this profitable.
Simple make it so two faction members must be involved, ie the borrower must have a cosigner that already has the caps that he gives to the bank to cover the loan, if loan isnt paid off, then those caps are garnished. When the loan is paid of, the original cosigner can retrieve his caps. This is only done really as a convinience for the borrower and cosigner, as they dont have to directly interact. Also I think trades could be done similiarly with an escrow service that would hold the items and money and make the exchanges.
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no lending to dumb people, nor abusers, nor cheaters! (no offense) Remove banks at all! Make them auction halls!
Actually this is a better suggestion, i think. I wouldn't "replace" the FLC with it but in general an auction hall would be a good thing. It could be done via some message board like this:
(http://i49.tinypic.com/mvn1ug.jpg)
The idea would be to keep it simple. You could have a market in all bigger (and guarded) towns. Just as in the forums people could entry their sell/buy offers, with the difference, that they have to choose what they want to sell (and the amount) out of a list, instead of writing it down somewhere. They deposit the goods (need to be in inventory ofc) by finishing the offer and someone else can withdraw them if he has the needed amount of caps or goods. Later the one who made the offer can withdraw the paid goods/caps in the same way.
If it's done right (to create the needed dialogs will be a diligent work, though) i don't see any flaws here (yet :) ).
Maybe it wouldn't also be a bad idea to have such message boards in bigger bases, to lower the chance of beeing scammed in towns.
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Come on guys, just because an idea might be bad, or unneeded doesn't mean you all need to go T-888 on the person who posted it. Remember Bad ideas lead to wisdom more often than good ideas. So it wasn't an idea that could be done, or should be done, ok, it's been discussed, reasoned, and finished. Leave the hate for the noobs, and move on.
Brujah's humorless replies to my posts are far less tortuous than T-888's, add to that a barely perceptible hatred toward me.
Also T-888's replies are -it pains me to admit it- far more often on topic than Brujah's.
On a completely off topic note: It seems some people don't think of it as a senseless would-be-feature.
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Is there a way to track loans by player rather than character? That could alleiviate some of the abuse. Maybe banks be on board only, then mods/gms lend money to player, who gives to their character to use in game.
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For newbs it might make more sense to have a small time equipment loan. You get laser rifle + metal armor and have to pay back a percentage of your loot (pelts, ammo, meds).
Even better would be if a collection agent ran into your encounter at the end of combat and looted half until until the loan was paid ;D