
Myriad Blaze
Common Sense Ltd Nulli Secunda
293
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Posted - 2015.01.10 15:41:22 -
[1] - Quote
Like others already said (and ignoring some technical aspects), the two main issues are trust and effort.
Lets take a closer look:
I know I can be trusted. But how could you know? And if I'm brutally honest, I'm not 100% certain that I wouldn't be tempted if GÇ£the price is rightGÇ¥. Assume you had 5 trillion ISK entrusted to you by other players... or 10 trillion ISK. And all you had to do is deciding to keep it. And probably get immortalized in EVE for the biggest heist in the games history along with your decision. And more than likely also get coverage on games websites, newspapers and maybe even national television for stealing more than $ 200,000 in game currency. I'd bet you'll find many people in EVE who would agree that not exploiting such an opportunity would be a wasted chance.
And if I have to admit that I could be tempted, despite believing to be a person of high morals, why should I believe that you cannot? And who says you would need trillions to be tempted? When I started playing the gameGǪ like you are now... 1 billion felt huge and people with 20 billion and more were super rich. So maybe it takes only some billions to tempt you in your current situation. How should I know and how could I be certain?
Sure, if you play for some time you might come to realize that 20 billion or even 100 billion is not that much. But to realize this you usually need to earn that much ISK yourself first.
(And lets not forget that the trust factor is a big issue in lending out the banks money, too.)
And that brings us to the other issue... effort. Once you earned that much money GÇô especially if you earned it via working the market GÇô you know how to make more ISK. And you have the funds to do it. Why would you invest your game time to earn ISK for other people when you could spend that time to earn all that ISK for yourself? Sure, maybe you like roleplaying... but I have seen enough people to burn out on that sooner or late (which would bring us back to the trust issue). You still could issue a bond if you need some ISK for a specific task, but a bond is meant for a limited time and is in many ways different from a bank.
My advice to you is to start earning your own ISK via trading (since you said you are good with numbers and spreadsheets) and maybe look into industry, but forget about that bank for now. Then in a year (or better in 18 months) reread this thread. It's very likely that you will view your own idea from a different angle then. At least you will have some ideas how to work with money and how to make profit.
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