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Reaver Lupus
Hidden Corporation for Hidden Purpose
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Posted - 2013.07.30 18:01:00 -
[1] - Quote
I've been doing some research on the history of player run banks in eve. It seems to me that they have mostly disappeared at this point (with good reason). What I've been considering is how this could be fixed so that player run banking institutions become more viable.
The two largest problems I see with banking in EVE are as follows- lack of accountability, and lack of security.
These could be largely fixed with three proposals.
1. Establishment of a credit score or credit history system for eve players. This could include quantified summaries of contract success/failure rate, reviews by other players, and a history of earnings.
2. Establishment of an FDIC equivalent. though asking for an official system similar to the current ship insurance would probably be too much to ask for, I could imagine player run banking insurance that provides some measure of financial security for those despositing with player banks.
3. Creationa system that provides accountholders and bank owners with kill rights for those who steal from the bank or default on debts. This could be bolstered by automatic posting of a bounty for the amount stolen, with kill rights lasting until this bounty is depleted.
Thoughts on these proposals and suggestions for others are appreciated. |
Reaver Lupus
Hidden Corporation for Hidden Purpose
0
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Posted - 2013.07.30 19:45:00 -
[2] - Quote
Arduemont wrote:The trouble is, most of the Eve banks that were successful were 100% accountable and paid out exactly when they were meant to. They were all really proper (internet spaceship) banks for all essential purposes.
The trouble happens when one of the people with the most access gets bored and abscond with everything. You can't stop that, it's always going to be possible. Just like technically speaking it's possible now with real banks. You could put a limit on single transactions, so that no one could move 500b in one go. That might give people the chance to stop the rest from going missing.
That's atually the idea behind the kill rights system. it should still be possible for one of the top CEO's to do this, just like in real life. The change would be that everyone working for the bank and everyone who deposited money with the bank would now have a killright on them. |
Reaver Lupus
Hidden Corporation for Hidden Purpose
0
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Posted - 2013.07.30 19:51:00 -
[3] - Quote
Krixtal Icefluxor wrote:Would a bank be for the purpose of earning interest ?
If not, what's the point ?
Can you not manage your own funds in the game ? What's up with that ?
I'm just not seeing any benefit here at all, except to the banker who can abscond with everything at any moment.
the benefit is that you earn interest on your isk, at a slightly or greatly increased risk. This is opposed to the current system where most people have their isk stuffed under the mattress doing nothing in particular. |
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