[Review] Detention Camp

[Bigtea47]

This sounds like another Hitler in the making. A less evil one though I guess.

To put it blunt.

Side note: Sorry if this offends anyone, but I do speak my mind.

He had to reincarnate into someone, right? Lil just kidding

[DezNutz]

-1 Disapprove.

While I would like to see a feature to collect on loan debts, the planned Loan Shark Tech is better suited.

[Most Lee Harmless]

I like this suggestion. For one its applicable to any level of banker. For two it dont involve said banker shelling out millions in new techs gained purely for the purpose of recovering the bad loans he has already spent billions building a bank to be able to hand out in the first place.

Bad debts need to carry consequences for the debtor, not yet another gold sinker for the lender. As a banker Loan Shark tech will not get me lending my precious shiny shiny. Being able to recover bad debts without spending more than I just lost will.

[DezNutz]

Interesting take. I take back my -1.

As a possible alternative to the loan shark tech, I would think that there would still need to be a tiered system for this. A level 1 Bank shouldn't have the same capabilities as a level 20. I would think that possibly a % of the loan amount could be recovered based on the bank level. The higher the level the more you could recover.

[Most Lee Harmless]

A tiered system based on bank level would be agreeable. Small banks should not over-extend on loans anyway. The game needs banks lending but it must not place all the loss-risk on the banks otherwise why lend at all.

[PFH]

Perhaps starting at 20% and adding a 3% each level for a total of 77% return rate at level 20.

Accountant tech possibly filling in the rest of the missing 23%?

[Most Lee Harmless]

Again, penalises the small banker : we want to encourage bank activity at all levels not restrict it to the top levels.
I would prefer an actual amount cap more related to the banks level. Example might be a lvl5 bank is covered up to 10million per client ( to combat multiple low amount loans to dodge any cap) Above that its at their own risk. That would encourage reasonable levels of loans and reward prudence in giving them out.

[Psychodad]

As always we protect the banker and the 1%. What about the poor low level players who trusted the banker, put their money into the bank and then the banker fucks off and closes the bank leaving locking up the players funds (looking at you phoenix knight.)

How about in game mechanic that allows for seizure of bankers assets and distribution to account holders?

[PFH]

I think that would mend well with nation laws. A lil something to encourage new players into nations

[Most Lee Harmless]

Psycho : Indeed. Thats a problem too. But dont get all occupy about bankers in this game. Bankers get the fun of spending billions to build their banks then get the unutteral pleasure of keeping your money for free. Indeed, its a common enough refrain that the bankers should be paying you to look after it. All well and good but it gets tedious beyond bearing that we are then expected to both lend our own money and get bitched at should we have the temerity to actually want it back.
Okay, maybe bankers are well in the wrong there. We should just accept that the reason we spent those billions was to create a mechanism whereby we could toss away millions more. So shoot us. But dont expect us to lend our coin at anything remotely reasonable interest rates when you honest guys get to subsidise the bludgers who run out on repaying loans. Or are we supposed to carry that cost too? Maybe a new law saying bankers must give interest free loans on demand or have their legs broken. That will teach them!