With all the worry over hacked accounts and fear of losing all your characters I have a, frankly, genius money sink for people who want to "insure" their characters.
I propose the installation of a Xunlai Insurance Agent NPC. One to be placed in The Kodash Bazaar, one in the Harvest Temple, one in Droknar's Forge, and one in Heroes' Ascent. Through this NPC you can save everything you own and all your characters. Naturally, there would need to be different levels of cover:
- Basic Insurance - Charged at 1000 gold per character on the account - This covers your Characters' Names, the one set of armor they are currently wearing, and the outposts they have unlocked along with their quest logs, and skills bought/capped.
- Core Insurance - Charged at 3000 gold per character on the account - This covers you for all of the above, along with title progress.
- Premium Insurance - Charged at 5000 gold per character on the account - This covers you for all of the above (Core and Basic) including all of those characters' inventories.
- Comprehensive Insurance - Charged at 5000 gold per character on the account, and an additional 15,000 gold, this insurance covers you for all that covered by Premium Insurance, as well as covering the entire contents of your Main Xunlai Storage box, including materials tab.
Further to that above, ALL characters on the account would be insured - it should not be possible to pick and choose single characters. Furthermore, you can only insure your progress / items on a maximum one-monthly basis. This would stop people doing so after completing every mission (though the pricing could be set so that it was obscenely expensive to do so)
On being "hacked" and losing items etc... ArenaNet would need to be contacted, and only they would have the power to reinstate the account (after investigation) under the terms of the "insurance coverage", as it was at the point of insuring it.
Ok boys and girls, pull this idea apart.
(i am too lazy to search the thread :P)
