Business And Economy Archive
Thread: New Profession : The Banker
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ZeVoyager
Fri Apr 08, 2005 4:17 am
#1
Hi to all this is the original idea of cfdfireman749 , it is posted here cause it impacts the economy and the business , i have added some changes of mine , i would like to have your feedback about this.
This is kind of spur of the moment, so I haven't thought much about how it would be implemented, but I think it would benefit the community as a whole, not just bh's or jedi. I think it would help the galaxy in general to introduce a new profession: the Banker. Players who need large amountsof money quickly for a ship, weapon, armor, whatever, would be able to go to a banker, and the banker could do a game credit check, similar to the RL economy, and give the player a set amount of time to pay it back. It could be automatically deducted from the player's account, to prevent the player from being screwed over if he/she can't be online at specific times. Should the player fail to pay it back or the player's account go into a negative balance for example, a week or so, the banker, who would be keeping track of all this could go to a bounty terminal and input the offending player's name and bounty amount. The amount could be for the loan total, plus a bounty fee. In the event that a bounty hunter tracks down the wanted player, that player has the option of paying off the bounty (if the player is, for the sake of argument, a master architect, who wouldn't stand a chance against a combat-oriented player), or fighting for freedom. If the loan is paid, the bh would lose the TEF on the player, and the player would be free to go. If the player refuses to pay, or doesn't have the money, he/she can either fight the bh or be considered captured, and from then on, any money the player aquires would immediately leave their pocket or account and go straight toward paying off the debt, until the debt is satisfied.
Also, the banker would have addtional options on banking terminals, such as loan options, checking a bounty status on a player, checking player loans owed, and other options too. And the banker would have a tool, similar to a crafting tool, that would allow them to loan lower amounts of money away from a banking terminal. One thing that the banker could do is have the player's name automatically submitted to the Bounty Hunters' Guild if the loan is not paid off in the agreed upon time. The banker would be an elite profession, above the fiscal policy tree in the politician skillset.
Like I said, this is something I had thought about for a few days, but really hadn't worked out anything specific, but in all, I think it would be good for everyone. It would give bh's more targets to go after, the jedi would receive less unwanted attention from bh's, allowing them more opportunity to grind in peace, an additional economic based profession, and it could help better the economy too, with more spending, but I think players would be also more careful in how they spend their money (or face the consequences ). I'm sure there are a lot of things I haven't thought about, but this is an idea for the dev's to think about. I hope it goes through and makes things a bit easier on everyone.
We can also add another idea a bit more complicated to the banker : he can also be astock holder and an auction holder.
Let me explain by an Example :
Am a new pilot i need to buy a new A-Wing cost = 2 millions. Cool i go and see the banker , he gives me 2 millions and i start paying back xx amount per month. (Automaticly taken out of my account)
When i first take the 2 mil. the owner of my A-Wing is the banker at 100 %, so as long as i am paying amounts per month am buying back shares of my property.
Now here it gets complicated so follow me :
As long as the banker has majority in shares of the property and i am out of money he can automaticly reclaim the property. The player can no longer have access to the property. And so the banker can handle an auction of the property to get the max of money out of it.
If the banker has no longer a majority of shares in the property (ex : player 51% and banker 49%) we do exactly as you described the BH thing
But ... let us say that the loan is "account related" .
if we take back your example , if player deletes his account number 1 , the loan , the property are simply deleted..
Now i agree that the idea needs some checks and regulations but i think it is great. We are using banking systems in real life, loans , stocks , auctions etc... i think that there is a way for the Banker to see the light. :-)
Why not include payed on deposit accounts ? Ex : you put 1 million in the bank and can't use it for 2 months and you take 2 % on it, in that time the banker can use it for loans etc...It is a risky job being a banker , but bounty hunters are here as clients money collectors :-)
want to buy a house , cost 1000 credits. Cool i go to see my banker and "HE" buys the house and does not give me a loan !!!.
The house can't be sold if it is bought by a banker , that way the player can't sell the property
Let us agree on some points :
- Do we agree on the fact that a property bought by a banker has stocks and the banker is owner until the player buys back the property from the banker by paying his loan ?
- If this can be made we have several options : Let us take the example of the house: a) The player can't take the banker out of the admins of the house as long as the banker has more than 50% out of the stocks. b) The banker has less than 50% and is taken out of the admins of the house. The player is still paying the price of the house and the maintenance from his account. c) The player has no more money and has less than 50% of the property => banker takes it back and sells it back in auction to salvage whatever money he can salvage. The player has more than 50% of the property and no more money => Bounty Hunter .
- Now regarding the maintenance Dev should look back to this issue , i propose that after there is no more money in the account the structure begins to fall apart and after 2 months it dissapears.
So let us not forget that the player is "paying" the property directly from his account automaticly.
- Let us not make the Banker profession look easy , to be a banker you have to be an initial amount of money in the begining and some of if is blocked to cover the banking risk :-) So it is not that easy to be in the profession
- Regarding the4 categories : Foreclosure is very good , we can add something nice : the more you go up the tree you can put missions for a group of bounty hunters Ex : you gave a loan of 4 millions and the guy is very bad , you can post a mission for a group of BH
- Teller : am in for that , this will help go up in the amounts of money you can loan BUT don't forget Risk management this means that the reserve you have can cover the risk hehehe Welcome to the Real world
- The other 2 i would propose : Investement Banking & Retail Banking . The first one is for artisans and people that have businesses and can sell things. we can imagine a % of credits taken on each sale The second one can handle loans , houses , terminals etc...
oracomm2
Fri Apr 08, 2005 8:05 am
#2
while it looks likeyou put alot of thought into it... it won't work for this reason.
Player 1: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
Player 2: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
Player 3: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
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Player 50,000: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
100,000,000,000 credits added to game and no way to force people to pay it back.
so a bounty is placed on the these players..... great player 1 now has a bounty on his head... player 50,001 accepts the bounty (these guys are friend) kills player 1 collects on bounty... and makes even MORE money. Repeat addnauseum.
Pawlin
Fri Apr 08, 2005 1:03 pm
#3
Its probably too easy to abuse that for it to get implemented.
What happens if someone takes out a loan and then deletes their character?
bluejanus
Fri Apr 08, 2005 10:08 pm
#4
And adding some kind of flag to an object that is bought via loan sounds complicated to code if that flag is for self-deletion when the loan recipient deletes the character/account.
Stotan
Sat Apr 09, 2005 6:37 am
#5
Or takes the millions... Sells on ebay for real cash deletes character.... repeats
Totososphi
Sat Apr 09, 2005 2:33 pm
#6
Of course it could start deducting there could be a consent to give out a loan. If they think they can get away without paying the game deducts money from their bank account and eventually cash on hand.
bluejanus
Sat Apr 09, 2005 9:23 pm
#7
Totososphi wrote:
Of course it could start deducting there could be a consent to give out a loan. If they think they can get away without paying the game deducts money from their bank account and eventually cash on hand.
That's the point though, the character could borrow the money and give it to another person and delete themselves. Since the character no longer exists, who does the game garnish mission payouts from?
ZeVoyager
Sun Apr 10, 2005 3:56 am
#8
oracomm2 wrote:
while it looks likeyou put alot of thought into it... it won't work for this reason.
Player 1: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
Player 2: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
Player 3: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
"
"
"
"
Player 50,000: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
100,000,000,000 credits added to game and no way to force people to pay it back.
so a bounty is placed on the these players..... great player 1 now has a bounty on his head... player 50,001 accepts the bounty (these guys are friend) kills player 1 collects on bounty... and makes even MORE money. Repeat addnauseum.
You are missing the point , let me explain :
1- you are limited as a banker by the amount of money you have , so you can't give more then your bank can.
2- YOU AUTOMATICLY repay the loan it is taken from account without your interaction.
3- Loans can't be given it is the banker that buys whatever you need so he can be owner of that object untill you pay back the loan.
ZeVoyager
Sun Apr 10, 2005 3:58 am
#9
As mentionned the money and objects are account related, if you destroy your account all the related objects bought by the banker are destroyed and the money is redemed to the banker
Pawlin wrote:
Its probably too easy to abuse that for it to get implemented.
What happens if someone takes out a loan and then deletes their character?
ZeVoyager
Sun Apr 10, 2005 3:59 am
#10
That is a good point 5 stars didn't think about that but what can we do to fix this ? other than having honest players :-)
Stotan wrote:
Or takes the millions... Sells on ebay for real cash deletes character.... repeats
bluejanus
Sun Apr 10, 2005 7:17 pm
#11
ZeVoyager wrote:
As mentionned the money and objects are account related, if you destroy your account all the related objects bought by the banker are destroyed and the money is redemed to the banker
Pawlin wrote:
Its probably too easy to abuse that for it to get implemented.
What happens if someone takes out a loan and then deletes their character?
The coding for what you describe sounds rather complicated. Consider this, there are manufactured items in game by people that have long since deleted their characters. You're proposing that items should gain a flag for the purchase amount of the item and carry this value around forever. And you want some game mechanism to monitor the existence of a player account to be tied to the possessions that they have. Since neither of these are currently implemented, you're asking for a significant change in the object coding for every item in game.
bluejanus
Sun Apr 10, 2005 7:25 pm
#12
ZeVoyager wrote:
oracomm2 wrote:
while it looks likeyou put alot of thought into it... it won't work for this reason.
Player 1: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
Player 2: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
Player 3: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
"
"
"
"
Player 50,000: Goes gets a loan for 2mil to buy Awing.... get 2mil..... doesn't buy awing...keeps cash.
100,000,000,000 credits added to game and no way to force people to pay it back.
so a bounty is placed on the these players..... great player 1 now has a bounty on his head... player 50,001 accepts the bounty (these guys are friend) kills player 1 collects on bounty... and makes even MORE money. Repeat addnauseum.
You are missing the point , let me explain :
1- you are limited as a banker by the amount of money you have , so you can't give more then your bank can.
2- YOU AUTOMATICLY repay the loan it is taken from account without your interaction.
3- Loans can't be given it is the banker that buys whatever you need so he can be owner of that object untill you pay back the loan.
Am a new pilot i need to buy a new A-Wing cost = 2 millions. Cool i go and see the banker , he gives me 2 millions and i start paying back xx amount per month. (Automaticly taken out of my account)
When i first take the 2 mil. the owner of my A-Wing is the banker at 100 %, so as long as i am paying amounts per month am buying back shares of my property.
1. You weren't very clear about the source of the money to be loaned out just the player function allowing it. So instead of stealing from the game, the players would steal from the banker players.
2. As for automatic repayment, there has be some grace period so that you can actually conduct the trade or make the purchase for the A-wing. And in that grace period, the player can tip/trade the money to someone else and then delete themselves.
3. Not sure what you're talking about here. Sounds like you get someone else to buy the item and pay them for in installments.
bluejanus
Sun Apr 10, 2005 7:29 pm
#13
bluejanus wrote:
ZeVoyager wrote:
As mentionned the money and objects are account related, if you destroy your account all the related objects bought by the banker are destroyed and the money is redemed to the banker
Pawlin wrote:
Its probably too easy to abuse that for it to get implemented.
What happens if someone takes out a loan and then deletes their character?
The coding for what you describe sounds rather complicated. Consider this, there are manufactured items in game by people that have long since deleted their characters. You're proposing that items should gain a flag for the purchase amount of the item and carry this value around forever. And you want some game mechanism to monitor the existence of a player account to be tied to the possessions that they have. Since neither of these are currently implemented, you're asking for a significant change in the object coding for every item in game.
And I had another thought, even if this system went into play, I don't see how the banker could get his/her money back. If the person who sold the a-wing or received the money spent the credits or vendored the credits, they wouldn't have the money to be refunded to the banker. And anyways it would be unfair to take money from innocent bystanders especially the shipseller. So either the shipbuilder is going to be out an Awing deed or the banker is going to be out 2 million cr. This situation is just asking for trouble.
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