DezNutz wrote:Yes there is a difference. Stipends are a one time daily limited payout. Skirmish insurance is limited by a hard limit on the number of times someone can be skirmished. And unless your carrying GBs, the skirmish value is most times below 25k.
It doesn't encourage anything more than what a stipend currently does except the payout is tied to plunder and skirmish action. It's serves no purpose but to drain the treasury.
Loan insurance is not a drain on the treasury. The fact that it is even mentioned shows that you don't know what you are talking about.
Says the one who has yet to actually address any of my points aside from repeatedly stating this serves only to drain the treasury, despite that not being the case.
A stipend is just a daily payout simply for being in a nation. There is no requirements to get one aside from having a rank. This law would require someone to actually perform a successful attack on an enemy nation. If they hit and lose or don't hit at all, this law won't pay them a cent. That alone is a big difference.
And As I repeatedly mentioned-it serves a purpose in providing a little extra incentive into hitting a nations enemy. So long as said nation isn't stupid and puts the price at a reasonable limit, the possibility of the treasury being drained would be nearly impossible. Back to my previous example, at 250M reserve, placing a 25K per hit bounty it would take 10K hits to drain-and honestly if some group managed to hit your enemy 10K times in one day, your enemy probably lost far more gold in those attacks then you did.
And as for loan insurance, the point I was making was that if a group were to want to raid a treasury and said nation had loan insurance, they could easily just give out loans with no care in the hope that some would fail and drain the treasury. Since your making the point a group might join JUST to drain the treasury for this law, I was pointing out another way they could do so. But both options don't make sense as both options are incredibly ineffective and it would be far simpler to just get a large group, rank up and steal the treasury in votes.