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Maxx Overseer
Gallente Royal Advanced Industries Imperial Crimson Legion
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Posted - 2011.05.17 18:38:00 -
[1]
we need a bank or bank system, What I would like to see is a bank that you can put your isk in and you get something out of it. Or you can get a CD (or something like it) and you can draw isk from it (like in real life). Now on the other side you can fin. (forgot how to spell it) a ship the longer you play the better you would have chance of getting isk. Like large corp or alliance can bank and have good chance of making isk... remember butterfly effect or you may call sandbox... --- --- --- --fly fast--
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VCBee 2fast2furious
Aliastra
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Posted - 2011.05.17 18:43:00 -
[2]
Originally by: Maxx Overseer we need a bank or bank system
No we don't.
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Maxx Overseer
Royal Advanced Industries Imperial Crimson Legion
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Posted - 2011.05.18 05:17:00 -
[3]
Why? Part of Eve is Corps and the other part is isk' and both needs banks --- --- --- --fly fast--
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Val'Dore
Word Bearers of Chaos Word of Chaos Undivided
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Posted - 2011.05.18 06:06:00 -
[4]
This already exists in EvE.
~No matter what happens, somebody will find a way to take it too seriously.~
Tiericide |
VCBee 2fast2furious
Aliastra
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Posted - 2011.05.18 09:35:00 -
[5]
The point of a bank irl is to hold your money safely rather than have you walk around in the streets with a suitcase full of banknotes or stuffed into a pillowcase under your bed. In EvE, my wallet is completely secure. Nobody can access it without my consent, I can't get mugged in a dark alley and have it all stolen, burglars cannot break into my hangar and take it while I'm out in a fleet.
It seems that what you're really asking for is an official CCP Bank to make you risk-free interest? No, in a sandbox economy you put your money on the line and make investments in the hope of profit, you don't ask big daddy CCP for easy handouts.
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Eperor
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Posted - 2011.05.18 09:53:00 -
[6]
not realy true that evem oney its safe. its meny times when accou8nts get hacked and you lost your items and money, afocrs money ccp giving back but not times you losing them complitly.
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elenasa
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Posted - 2011.05.18 17:59:00 -
[7]
Pirate: "100 mil or your pod is dust". Victim: "OK. But you'll have to wait until I can get to the next high-sec cash dispenser. You can accompany me if you want to make sure I go there."
:p
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Kaelie Onren
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Posted - 2011.05.18 23:18:00 -
[8]
I'm not supporting this yet as it doesn't seem fully formed as a proposal, but you broght up an interesting point. The problem though is if you have a bank, you will need bankers. Unless by 'bank' you just mean 'I want interest on my isk that I'm not using'.
If your proposal is the latter, recall that (unless you want uncontrolled inflation in the game -- bad idea) to get interest, someone must pay interest. Banks are savings and loans businesses. You can't have savings (with interest) without the loans (charging interest) on the other side. Which means you will need people willing to borrow money, but then you will need people to collect when you don't repay loans, and a functioning credit system in order to rate people's credit worthiness for loans, etc etc.
As you can see, it's not a simple change. Banks are an ESSENTIAL part of an economy, and right now EVE runs without one as it is only a virtual economy which is not entirely complete (there are NPC corps which have 'infinite cash').
So that's the long answer of why your proposal won't likely work, without a lot more thought or a big big change on CCP side.
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Simeon Whiteheaven
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Posted - 2011.05.19 08:01:00 -
[9]
Edited by: Simeon Whiteheaven on 19/05/2011 08:01:51 I think there is something in your proposal, but it should be much better developed. This is all very vague and indefinite. Maybe if we get the chance to borrow isk NPC corp where we have a good standing for some kind of an interest rate of 2 to 3% that we would pay out weekly or monthly. Interest would of course varied depending on the NPC corp standing, the amount of isk, and the length of time in which we will borrow isk, and of course the monthly or weekly payments. Of course, borrowing would only ISK that you do not need or do not use and you could always pull it back, if you take it before the expected interest payment,you would not have got the interest for that period of time.
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VCBee 2fast2furious
Aliastra
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Posted - 2011.05.19 08:27:00 -
[10]
Originally by: Simeon Whiteheaven This is all very vague and indefinite. Maybe if we get the chance to borrow isk NPC corp where we have a good standing for some kind of an interest rate of 2 to 3% that we would pay out weekly or monthly. Interest would of course varied depending on the NPC corp standing, the amount of isk, and the length of time in which we will borrow isk, and of course the monthly or weekly payments. Of course, borrowing would only ISK that you do not need or do not use and you could always pull it back, if you take it before the expected interest payment,you would not have got the interest for that period of time.
At least you came out and openly said you wanted Big Daddy CCP to give you zero-risk profits.
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Eperor
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Posted - 2011.05.19 08:34:00 -
[11]
i see here the problem that noobs wil much loan isk and niot give it back, so to say that risky for NPC corps to give out anormus amounts off isk witout eny garantys. there need to be garranty system that you give that money back to.
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Kaelie Onren
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Posted - 2011.05.19 08:52:00 -
[12]
Originally by: Simeon Whiteheaven Edited by: Simeon Whiteheaven on 19/05/2011 08:01:51 I think there is something in your proposal, but it should be much better developed. This is all very vague and indefinite. Maybe if we get the chance to borrow isk NPC corp where we have a good standing for some kind of an interest rate of 2 to 3% that we would pay out weekly or monthly. Interest would of course varied depending on the NPC corp standing, the amount of isk, and the length of time in which we will borrow isk, and of course the monthly or weekly payments. Of course, borrowing would only ISK that you do not need or do not use and you could always pull it back, if you take it before the expected interest payment,you would not have got the interest for that period of time.
How will you combat inflation? Hyper inflation takes down economies in RL. (Zimbabwe comes to mind). If you want to do this then (as this is a virtual world) you can increase the amount of ore in the universe to keep in step with the increase in isk in the system. But your going to hit a point where there are not enough miners to pull the ore out of the rocks to keep up. Those who have enough extra cash to put into the bank are going to get a lot richer than those who do not have enough isk to bank.
You cannot put new isk into the economy without an associated isk sink. IE these banks are going to have to give out loans. Which as I said in my earlier post, is not that easy, as it is prone to scams.
I do agree there should be some sort of trusted credit system, which was one of my points in my other thread about new money laundering laws, but its all too complex to implement without a proper crime and punishment system.
Risk free interest rate, not supported.
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