Captain Jack, I really like how you made a public discussion to get feedback on the Treasure Feature! That is something I have never seen from a game developer before and I'm bummed I missed it
I like the treasure feature so far but I am MUCH more excited about player banking. I love the idea that a player is able to steal the loaned gold and the banker can steal the deposit. I haven't seen a game with such an ability to backstab. I think this is a good game to have a backstab feature because the stakes are so high when you backstab. If I steal millions of gold from a top player I would 100% expect to receive a ton of bad voodoo for it. I would also expect to "fall from grace" and never find trusting people to deposit gold.
This creates and uses SOCIAL CURRENCY! An honest and reliable banker could thrive if he can resist the urge to steal.
I plan on opening the largest bank I can when the feature launches. I believe Skyhawk might enjoy this feature as it may give him more jobs when bankers want to collect on deadbeat clients. While designing the bank feature I can think of three important goals: 1) add more possibilities for the trader-types to grow their empire 2) give the mercenaries more reasons to be hired 3) give players a REASON TO USE banks. It would be sad to have a big bank feature but then no reason to risk using it.
One more thing I thought of: The bank feature can be used to
give new players a jump start on building their trade fleets. If I found a new player that seems to be trustworthy I would be willing to loan him/her 100k to get started. I would even be willing to loan every new player 10k so they can build a second ship immediately if they asked for it.
To do that I would request the devs to: 1) allow me to offer loans and deposits WITHOUT my approval (w/o me being online) up to a maximum loan size (I would set my maximum at 10k with 1% daily interest [they would owe my bank 13.5k after 1 month])
2) allow me to forgive debt if a new player went inactive with 10k of my bank's gold (forgiving debt would require me to give my bank 10k of my own gold).
3) allow me to set a different daily % interest and max loan/deposit sizes for each player
4) allow me to pre-approve a trusted player to take out another loan or make a deposit (up to a maximum amount) without me being online to sign the papers.
5) allow me to black-list a player who I don't trust. That player wouldn't even be able to take out a 10k loan that I offer to everyone else in Pirates Glory.
6) allow me to set a maximum daily withdraw amount for each player. That way if I have a single 5 million gold investor and I have loaned out 4 million of that gold to other players then my investor couldn't drain me to zero by withdrawing all 1 million remaining gold in 1 day. I would probably set the max withdraw for him to 250k per day (so I have at least 4 days to collect gold from my borrowers to pay him back).
7) let me see a list of how much each player owes me, how much I owe them, their current borrowing % rate, their current depositing % rate and their account balance/activity (including opening the account date, deposits and withdraws/loans for the last few months.
8) It would be great for only the bank owner to see a summary of total gold
owed to the bank, total gold
owed to depositors and
total profit (the difference of the previous 2 numbers). Even better would be a graph of those 3 numbers over time!
This brings a few questions to my mind...
-What happens if a player is a bad banker and accepts a high-interest-rate deposit and then gets it all stolen by a bad borrower? Can he go into Chapter 11 Bankruptcy and try to pay it back? Can he close his bank with Chapter 7 bankruptcy?
-If a player does really poorly and ruins a bank (can't pay off the debt). Can he/she ever start a new bank and try again? I would hate to have a new player get burned by a stealing borrower and then never be able to open a bank again.
Finally: There is one thing I really think is NECESSARY for the bank feature:
Player recommendations and warnings. I want to have players be able to thumbs-up my honest bank and thumbs-down sketchy banks. That way a player can look at a list of bank ratings to get a good idea of what bank they can trust. Then they can go to that bank's page and read the currently offered deals. Online auctions usually have "positive/negative/neutral" seller feedback. Social websites have "thumb-up/thumb-down" on news articles/stuff. Pirates Glory should have something like that too.
I realize this is a lot of requests
but I am really excited for the possibilities the bank feature could add. I hope I'm not totally misunderstanding the feature because what I've heard sounds awesome. I think it would only take a few player banks to improve the gameplay and attraction for newer players by allowing them access to gold early on to build up their fleets. Banks will also help traders (players that don't tend to do risky things like plundering often). Traders have previously only had a few things to do: usually adding another trade ship every now and then... with banks they can hold onto someone else's gold and use it to build up their own trade fleet or run a business!
-Captain D