[Review] Detention Camp

[Kangaroo]

Well, we dont want to turn a fine game in a concentration camp do we? I think that it's the banker's job to offer money to people that he judges is good to trust. Thats part of his "job". If the player doesnt return the money, then it means the banker did a bad job of trusting that player. Although, i agree for a harder "consequence" on those players, i still don't like the idea of a too harsh one like yours. Soooo -1 for the suggestion, but +1 for the general idea of consequences.

+1

[Axy]

Alright, now let's be realistic. Normally bankers give loans to players that aren't as good as them. They also have national laws. Since this, if they don't get their payment they can just attack the one who created the problem until its paid. Normally, people that don't pay arent coming back (unless they are pirates) so one can just plunder everything.
Basically, I give a -1 to the idea.

[Most Lee Harmless]

And thats why this banker does not do loans. If I want to subsidise a newbie I'll cast a BT, it's lot cheaper than building a bank.

[William one eye]

-1 to this idea. But +1 to better bank options

I think there are better options

Debt collection tech option. As banks develop this tech they can impede player activities to encourage repayment. Each level may open new and more persuasive actions.


Better contract options that can request collect, verify and lock collateral. Collateral could be voodoo cards, gold bar, or ships.

Secured locked collateral.

For example i stake my 60 att sotl against a loan.
The sotl is placed in storage and if the loan defaults the banker can take it as debt recovery. Collateral could be any item or items the banker and customer agree upon so long as it is a tangible item that can be stored.

Unsecured collateral

Collateral could be unsecured. Basically items you own at time of loan request. Higher risk to banker, because they could be stolen sold cast ect. Bank can attempt take by process items of similar value if player no longer owns the staked collateral.

Payable on inactive. Loan is secured by collateral items that become property of the bank should the player pass an inactivity period.

No colateral loans would be same as now

Bankers and customers would agree on rates based on risk.

I will also suggest in the opposite direction.

Player vs pirate closed bank. If a banker goes pirate, a automayed notification is sent to all customers. A 24 hour grace period is given from this point before the doors of the bank shut.

Public closing warning.
Banks could offer at their discretion a similar 24 hour warning if a public closing is occuring.
Status of thus warning or lack of must be diplayed by the bank so that players can make an informed choice when stiring funds.


Ideally it would be nice if backs could offer interest rates on deposits. Like loans customers would accept interest rates based upon risk when choosing in what bank to deposite funds

[Most Lee Harmless]

Again, the bankers has to pay out more coin in techs to recover the coin they already lost. Whoopee!

Oh look, we get to.pay folk to keep their money safe too! Whoop de fock de doo...

But it's plain the mood of the player-base is that bankers are loaded so it dont really matter if they get their coin back after having to spend more than it's worth to do so. Whoopee!

Now who can come up with one sensible reason why a player should voluntarily spend bullions building their bank then millions more on techs for the ineffable pleasure of giving their money away.

PS. I think given the obvious groundswell of dislike for us mean nasty bankers we should all cease giving loans and close our banks. That will stop us taking advantage of the poor inactives who couldnt be arsed to pay us back.

[Dejanira]

Cartel! Cartel!

That would really stir things up

[Most Lee Harmless]

Well it would solve the iniquitous situation in which merciless bankers keep looking after folks money for free. I think it much fairer if folk get the freedom to choose to spend billions building their own bank to look after their money or they can freely choose to spend thousands of turns digging holes and hoping Getsum aint peeking at the location. Of course I expect to read future forum posts complaining about the quality of the sand and lack of proper digging implements.. maybe a legendary voodoo card? Back-hoe digger? A new officer perhaps? Site Engineer?

[William one eye]

Again, the bankers has to pay out more coin in techs to recover the coin they already lost.

If you were responding to my post, only one of my suggestions involved tech investment. 3 options were changes to the loan contract that would add options for loss recovery if both parties agree when the contract is written.

[Most Lee Harmless]

Part of the issue with collateral is that new players generally dont have any : thats why they need to get loans : to build assets. Its a fine idea for more established players but again, they are not generally the problem in anything like the same percentage as new players.

Personally, I like the idea of using turns as the 'collateral' : dont pay or go inactive but turns get added to accounts regardless. If those turns are applied to an existing game mechanic, porters, then the funds thus raised can be applied against the debt. If the debtor has truly gone inactive then the process hurts no-one. If the debtor is just being a bludger then it costs them their daily turns. However, it would not stop them buying turns, or double turns, to continue to play. That would directly benefit the game and also resolve bad debts and perhaps encourage bankers to lend to that problem area of new players lacking assets or any history from which to make a judgement. Currently its lend and hope they stay or dont lend at all.

[DezNutz]

What about Bankers being able to lay claim to a debtors other accounts. Like a lien?