Give us in the big Main Towns...Lion's Arc, Kaineng and Kamadan Money Banks...
So some NPC's in Buildings or so... some Xunlai guys ... which will store for us our money on a 2nd Treasure Chest Storage, which is just only for money that we put into the Bank.
When we put into our Bank Account money...then the players wil receive every month "interest"....
The % of interest the money banks will give us players will be randomous and will change more or less slightly every 2 months
With a range of say 1-5% and changes of -0,5%- +0,5%
Say Player X puts now 100000 Gold into the Money bank...after 1 Month it are then with 5% interest 105000 Gold after month 2 with 4,5% interest it are 109075 Gold
uhm, if this is imo really too slow for the game to be an interesting feature, but this should show only the example.. when every weekend will raise the money and every 2 weeks will the % of interest slightly change, its sure more interesting and makes for the game more sense
I thought of this.. because it would be a way for perma poor gamers to earn money over time..even without perma farming and grinding..what would be optimal for casual gamers
what do you think of having a money bank system ?
Implement a Money Bank ingame
Phoenix Tears
Kattar
No, just play the game and don't buy things you don't need. Then you won't be poor anymore.
/notsigned
/notsigned
Darkhell153
*deep breath to agree, listens to fork, takes a deeper breath, and deeper and deeper and...*
/no
/no
genofreek
Quote:
| I thought of this.. because it would be a way for perma poor gamers to earn money over time..even without perma farming and grinding..what would be optimal for casual gamers |
Awesome.
/notsigned.
Mike_version2
Quote:
|
Originally Posted by Phoenix Tears
what do you think of having a money bank system ?
|
/notsigned
Yanman.be
what do you think of not having a money bank system ?
Martin Alvito
OK, let's consider all of the potential unintended consequences here:
1) Value of gold goes up dramatically (since you can earn significant quantities of gold from gold). Prices of rare materials and dyes crash as people stampede OUT of those items into gold. Which would REALLY hurt if you had a lot of ectos.
2) Gold hoarding: A significant share (almost all?) of the game's gold supply gets tied up in the bank. Trades start getting denominated in things other than gold; people essentially sell their gold for items of 'greater' value.
3) Inflation: this essentially increases the drop rate on gold in-game by a percentage; it's predictable, transparent and fixed, so people adjust their expectations. Net effect: stuff starts costing more over time.
I don't think you'd want to live in this hypothetical game scenario.
/notsigned
1) Value of gold goes up dramatically (since you can earn significant quantities of gold from gold). Prices of rare materials and dyes crash as people stampede OUT of those items into gold. Which would REALLY hurt if you had a lot of ectos.
2) Gold hoarding: A significant share (almost all?) of the game's gold supply gets tied up in the bank. Trades start getting denominated in things other than gold; people essentially sell their gold for items of 'greater' value.
3) Inflation: this essentially increases the drop rate on gold in-game by a percentage; it's predictable, transparent and fixed, so people adjust their expectations. Net effect: stuff starts costing more over time.
I don't think you'd want to live in this hypothetical game scenario.
/notsigned
Nevin
GW's economy is too broken for this to work how you intend it. Nice creativity though.
Diddy bow
/notsigned
Whats the point? Would proberly mean MASSIVE inflation.
/signed if i can rob it, but only me =p.
Whats the point? Would proberly mean MASSIVE inflation.
/signed if i can rob it, but only me =p.
Oro Mana
/absolutely not.
What difference would .5% make if you're already a "perma poor" player?
What difference would .5% make if you're already a "perma poor" player?
Steboy93
/no way in a million years
So you are basically asking for free money??
I saw your riverside thread moaning about tomes being too expensive as well, stop trying to bring down prices and get free money by doing nothing.
This idea reminds me of the god-awful 'blood-bank' idea that was brought up a while ago, and got promptly shot down in flames.
Nothing constructive will come of this thread /close please.
So you are basically asking for free money??
I saw your riverside thread moaning about tomes being too expensive as well, stop trying to bring down prices and get free money by doing nothing.
This idea reminds me of the god-awful 'blood-bank' idea that was brought up a while ago, and got promptly shot down in flames.
Nothing constructive will come of this thread /close please.
Age
I actually thought this might be good idea for say very casual gamer that could only play about 5 to 6 hrs a week,There are lots of gold sinks just to get gold out of your hands and into Anets.It would be nice to see to all the gold sinks gone from the game completely this includes the guild invite fee as well as doing away with keys and make each chest free to open like May05.
RyXXed
What if you restricted the money that you can store to... let's say... 2k or something like that? And at the end of the month all the money goes automatically into your Xunlai Storage account.
warcrap
this would be pointless because you dont lose money or items when you die.
warcrap
oh great i put 1 coin into the bank go afk for an hour and i got 10k.
/notsigned
/notsigned
Laethis
No, that's a really bad idea. There's no point to it, just sounds like you're in need of easy money, so you make a suggestion like this.
It's not too hard to make money, and this "interest" wouldn't be a useful addition to the game, IMO.
/notsigned.
It's not too hard to make money, and this "interest" wouldn't be a useful addition to the game, IMO.
/notsigned.
Lykan
Deposit 10K > Stop playing for a month > come back to 25K > Money for nothing = Win??!
/notsigned for obvious reasons stated
/notsigned for obvious reasons stated
arsie
You're just introducing an artificial inflation rate. A great idea, if you were a Secretary of Finance for a third world pariah state.
Banks can offer you an interest on your savings because they are using that money to lend to people for a higher interest. (uh, to put it simply...)
So unless your bank idea allows loans with interest and has a means of dealing with payment defaulting, it cannot have a savings interest rate.
This does not work because all the gold sinks in the game does not help a person generate gold faster in order to pay back the loan.
Banks can offer you an interest on your savings because they are using that money to lend to people for a higher interest. (uh, to put it simply...)
So unless your bank idea allows loans with interest and has a means of dealing with payment defaulting, it cannot have a savings interest rate.
This does not work because all the gold sinks in the game does not help a person generate gold faster in order to pay back the loan.
Div
Quote:
|
Originally Posted by Yanman.be
what do you think of not having a money bank system ?
|
Operative 14
I was going to suggest a system like this, where every month a player would earn a certain amount of intrest on their xunali accounts. Then I realized that the only reason intrest accounts exist in the real world is so that banks can compete with socks underneath peoples beds.
While I think it would be an interesting idea, and helpful to casual gamers to a certain extent, I think it might cuase a lot of problems to the already fragile economy of the game.
/Not signed, though I like the idea.
While I think it would be an interesting idea, and helpful to casual gamers to a certain extent, I think it might cuase a lot of problems to the already fragile economy of the game.
/Not signed, though I like the idea.
HawkofStorms
/notsigned because you obviously don't understand how banks work in Real Life.
When you put money into a bank, it doesn't just magically grow. Banks take your money and invest it across low risk deverse fields of the economy. That's why interest rates vary with economic reccessions/boons. The dividends they make then cover your interest. This is done over the long term with large sums so the banks make profit (and thus why your interest rate at a bank will always be less then if you invest the money yourself since the bank is being conservative and can't afford to take hits).
That is how banks go out of buisness during rushes and why the federal government insurses banks through the FDIC. The gov. doesn't want another great depression. When the stock market crashed, not only did people who had money in stocks suffer, but people who had money in banks suffered. Thus why the depression hit so many so hard.
Basically, interest without some sort of investment would be meaningless. Unless the money put into the bank was somehow bet against the value of a commodity like ecto, there would be no way to properly do this. Even then it would be tricky. GW's economy just isn't set up to handle this kind of system. There is no "free money" in the real world, and there shouldn't be in GW.
When you put money into a bank, it doesn't just magically grow. Banks take your money and invest it across low risk deverse fields of the economy. That's why interest rates vary with economic reccessions/boons. The dividends they make then cover your interest. This is done over the long term with large sums so the banks make profit (and thus why your interest rate at a bank will always be less then if you invest the money yourself since the bank is being conservative and can't afford to take hits).
That is how banks go out of buisness during rushes and why the federal government insurses banks through the FDIC. The gov. doesn't want another great depression. When the stock market crashed, not only did people who had money in stocks suffer, but people who had money in banks suffered. Thus why the depression hit so many so hard.
Basically, interest without some sort of investment would be meaningless. Unless the money put into the bank was somehow bet against the value of a commodity like ecto, there would be no way to properly do this. Even then it would be tricky. GW's economy just isn't set up to handle this kind of system. There is no "free money" in the real world, and there shouldn't be in GW.
Shayne Hawke
Quote:
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Originally Posted by HawkofStorms
When you put money into a bank, it doesn't just magically grow. Banks take your money and invest it across low risk deverse fields of the economy...
|
Let's add bankruptcy to GW!
/notsigned.
BlueNovember
Quote:
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Originally Posted by Martin Alvito
OK, let's consider all of the potential unintended consequences here:
1) Value of gold goes up dramatically ... 2) ... 3) Inflation... |
But yes, suggested before, rich get richer poor get less richer, many obvious and not so obvious cons which outweigh the pros.
/notsigned.
Shadow Spirit
/notsigned
For many of the same reasons already stated...
For many of the same reasons already stated...
Fitz Rinley
Quote:
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Originally Posted by warcrap
dont worry the u.s will have another great depression when all the illegal immigrants who are leeching off our taxes screw up the economy.
to bad we have the worst border patrol ever! |
What has screwed up the domestic product of the US more than anything else is our industry moving overseas to places where they have lower environmental regulation, lower standards of living, and employers are not expected to see their people as anything better than minimally paid cattle. This in conjunction with an over inflated sense of self worth, from decades of wasting resources and not planning for after the party, is the foundation of die-back in the the current US economy.
milan
Sorry /unsigned.
Although it would be fun to have one with rates that occasionally drop through the floor and you lose your whole investment.
Although it would be fun to have one with rates that occasionally drop through the floor and you lose your whole investment.
Sir Pandra Pierva
/signed if only I get the bank at an intrest of 1000%
/notsigned for the above reasons,
Also topic talked to death time to close it
/notsigned for the above reasons,
Also topic talked to death time to close it
guildwars101
can you say INFLATION /notsigned