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Other => FOnline:2238 Forum => Archives => Suggestions => Topic started by: Stabjack on March 30, 2013, 08:34:07 pm

Title: Unified banking system
Post by: Stabjack on March 30, 2013, 08:34:07 pm: In fact, I was surprised that this WASN'T the main point of the FLC banking system. What I'm talking about is having all the banks working as one. You open up an account in Shady Sands and deposit money and you can withdraw your caps in the Hub etc. The current system of all the branches working in isolation is pointless.

The main point of a banking system in a post-apocalyptic setting would be to ensure the safety of your cash - instead of travelling loaded with caps and risking getting mugged on the way, you leave your cash in one place (we assume that the banks have their own efficient communication system) and withdraw it when you reach your destination, that's how it worked in the middle ages and I can't imagine why it wouldn't work like that in the Wasteland.
Title: Re: Unified banking system
Post by: Michaelh139 on March 30, 2013, 08:45:47 pm: Yeah that's what i always wondered, it doesn't really make sense the current system and it's kinda useless unless you wanna gain interest.
Title: Re: Unified banking system
Post by: Alvarez on March 30, 2013, 09:04:39 pm: Quote from: Stabjack on March 30, 2013, 08:34:07 pm
The main point of a banking system in a post-apocalyptic setting would be to ensure the safety of your cash - instead of travelling loaded with caps and risking getting mugged on the way, you leave your cash in one place

Maybe this is the reason why there is no much caravans full of caps.
Title: Re: Unified banking system
Post by: the underground on March 30, 2013, 11:28:30 pm: Ya, even in ancient times it pretty much worked thst way. Even in the fallout world it would eork.....
Title: Re: Unified banking system
Post by: Giftless on March 31, 2013, 05:36:42 am: It used to be that you would pay interest to the bank to have them safeguard your money as well.

A better idea might be to pay a fee to the bank to issue players "traveler's checks"--you can cash them in at any merchant or base construction guy, but if another player kills you and loots you, they won't be able to cash them!
Title: Re: Unified banking system
Post by: Alvarez on March 31, 2013, 10:51:00 am: Quote from: Giftless on March 31, 2013, 05:36:42 am
It used to be that you would pay interest to the bank to have them safeguard your money as well.

A better idea might be to pay a fee to the bank to issue players "traveler's checks"--you can cash them in at any merchant or base construction guy, but if another player kills you and loots you, they won't be able to cash them!

+1 to this. Will destroy the concept of Arsch Wasteland though.
Title: Re: Unified banking system
Post by: Brujah on March 31, 2013, 11:55:26 am: No opinion about this, I hide my bottlecaps the same place I hide my IRL money...

...Under a wooden crate.
Title: Re: Unified banking system
Post by: naossano on March 31, 2013, 02:53:08 pm: So if the hub/ncr bank suffer bankrupcy, those who put their money in Redding/BH will suffer this too ?

The IRL economic crisis in not enough ?
Title: Re: Unified banking system
Post by: the underground on March 31, 2013, 04:24:15 pm: I really doubt ncr will go belly up
Title: Re: Unified banking system
Post by: Michaelh139 on March 31, 2013, 09:44:44 pm: Quote from: the underground on March 31, 2013, 04:24:15 pm
I really doubt ncr will go belly up
It has in the past.

easy.