Business And Economy Archive
Thread: PLAYER run banks: this is an MMO right
Here'sa way to exploit player-run banks that make loans.
1) Sell way overpriced stuff on one account.
2) Start another account using pre-pay cards and either an "assumed identity" or "a differentcredit card".
3) Borrow lots of money, and use it to buy ridulously overpriced items from the toon on account #1. It would be wise to spread the money around a little bit, to confuse the issue, and also to make sure that account #1 looks like a typical trap for careless shoppers. It might also be wise to have account #2 file a few whiny CSR ticketsagainst various vendors to look like a stupid jerk, before quitting.
4) When youcan't borrow any more money, delete account #2. The loans are not repaid, because the money is in the hands of other toons, some of them legitimate.
5) Repeat steps 2 through 4 with another assumed identity.
Loans in the real world mostly work because identity is more or less permanent, and dropping out of the "game" has serious drawbacks.
Pawning (i.e., loansguaranteed with surrendered collateral) might be more resistant to exploit, but value in the game is highly subjective.
Saego, Wanderhome
Poldano wrote:
Here'sa way to exploit player-run banks that make loans.
1) Sell way overpriced stuff on one account.
2) Start another account using pre-pay cards and either an "assumed identity" or "a differentcredit card".
3) Borrow lots of money, and use it to buy ridulously overpriced items from the toon on account #1. It would be wise to spread the money around a little bit, to confuse the issue, and also to make sure that account #1 looks like a typical trap for careless shoppers. It might also be wise to have account #2 file a few whiny CSR ticketsagainst various vendors to look like a stupid jerk, before quitting.
4) When youcan't borrow any more money, delete account #2. The loans are not repaid, because the money is in the hands of other toons, some of them legitimate.
5) Repeat steps 2 through 4 with another assumed identity.
Loans in the real world mostly work because identity is more or less permanent, and dropping out of the "game" has serious drawbacks.
Pawning (i.e., loansguaranteed with surrendered collateral) might be more resistant to exploit, but value in the game is highly subjective.
Saego, Wanderhome
You need simply to give material loans not credits loans . Ex : i don't give you a loan of 100 credits but i buy you the object you need. Owner = the bank until you pay it back (can't trade it can't sell it ).
Cheers
I like the idea too butthere are a lot of players that will loan money to guild mates at 0 interest so no mater what system was implemented, no matter how well it was done there would be a way to avoid it without using a way that could be considered shifty.
Frostbite
FFNogoodnik wrote:
I like the idea too butthere are a lot of players that will loan money to guild mates at 0 interest so no mater what system was implemented, no matter how well it was done there would be a way to avoid it without using a way that could be considered shifty.
Frostbite
True but imagine you are a new player , you don't necessarly get to find a guild. Another thing imagine you want to buy something expensive :-) an A-Wing :-). And don't forget the banker is not only about lending money or giving loans. Check my thread indicated in a reply above you can see that there are many things to deal with : stocks , bounty hunting , options and more...
Cheers.
Voyager