?loan command

[2d spaceship gamer]

Way this works:

 

You type ?loan X where X is the number if credits you want to loan. You then get those credits. You will have to pay those back, together with interest.

 

The max size of the loan is related to your exp, more exp = bigger allowed loan. A good ratio would be * 10, IE someone with 500 experience could get a max loan of 5000.

 

Interest can either be fixed or related to the size of your loan compared to maximum (max loan = most interest, small loan = small interest). A nice cap would be 25% in case of a maximum possible loan. Interest is added to outstanding debt automatically upon loan taking, and the debt does not grow further.

 

Cannot get another loan until previous one paid fully. This also eliminates people cir!@#$%^&*venting the last rule by taking lots of small loans.

 

Loan payment is automatic and done by subtracting money for each kill you make (or bonus you get for someone else's kill). Subtracted money is 50% until loan is paid out.

 

Player can always repay or reduce loan by ?loanpay X where X is number of credits he wants to pay. Player can always view outstanding debt by typing ?debt.

 

Finally, very important rule: Cannot give money to other players if your balance is below your outstanding loan debt, or that would make your balance below your debt upon transaction completion. This is to prevent people ?loaning money and then sinking it to other accounts. EG Someone with an outstanding debt of $330 and a balance of $200 cannot give any money at all, and someone with a debt of $330 and a balance of $500 cannot give more money than $170. This way, the system cannot be abused.

 

WHY? To let people experiment with new stuff they cant afford, especially newer players, so they wont be stuck with a crap ship and get newbkilled for ages before affording a good one.

[Bomook]

I'm not opposed to this idea, but it sounds too complicated for the younger players in the zone, or others who refuse to learn.

 

It also seems like too much work to implement, considering a better solution would just be changing it so that newbies are not completely outclassed, or, for experimentation, having a chaos arena, where everything is free and requires no exp.

[2d spaceship gamer]

The problem with a "chaos arena" is that everyone will play there except in main.

 

Occasional (weekly or so) events of free experiments by mods are good, but not 24/7

[Dr Brain]

Loans have been requested before, but I've never really thought that they're a good idea, gameplay wise.

[Evil Doom]

ya this idea is interesting... but yes this would be hard to make (in my eyes) and also mods and Dr.Brin dont have time to make it

 

I say save this discussion till after we get biller and zone where we want it

[Deathboy-evil]

I'm not opposed to this idea, but it sounds too complicated for the younger players in the zone, or others who refuse to learn.

 

It also seems like too much work to implement, considering a better solution would just be changing it so that newbies are not completely outclassed, or, for experimentation, having a chaos arena, where everything is free and requires no exp.

I agree plus the fact that most players would be in debt and stay in debt for who knows how long. An since their's probably going to be an interest rate.. it would make things worse.

[L.C.]

And how about some bankruptcy? If you fall below -1500, you're banned from the zone itself until the next reset.

[»D1st0rt]

IMO, it defeats the whole purpose of earning money.

 

The game turns from a 2d spaceship game with money into a financial simulation with 2d spaceships on the side.

[Evil Doom]

i like D1's logic

[Fat Cat]

IMO, it defeats the whole purpose of earning money.

 

The game turns from a 2d spaceship game with money into a financial simulation with 2d spaceships on the side.

 

Awww common, I'm in finance, I'd make a killing

 

Not like I'd need anymore money anyways

[Evil Doom]

D1 is right

 

and fc... stop granting urself money

[Deathboy-evil]

I agree with D1 as well.. lol fc.. stupid abooser

[11___________]

Ok, so you loan out money to all the newbs, steal their newly maid $$ with the interest, they quit the zone, you have 5k more. Yay everyone wins!!!

[Deathboy-evil]

People leaving the zone = bad.

[Deathmonger]

This is an awesome idea!

 

First, we can finally give the shark a purpose--you can only loan to a newbie from a (loan)shark. Loans have a term of 24 hours in which they must be paid back at 30% interest or some similarly unreasonable terms.

 

Second, a new field for the field launcher can be created that can only be wielded by the loanshark--the Repossession Field. If you manage to drop one of those on top of your newbie deadbeat you reposess his ship and all of its equipment at resale value. PWNED--literally!

 

This could also create a secondary bounty hunter market for tracking down deadbeat noobs.

 

On second thought, that's a stupid idea.

[Dr Brain]

That's pretty funny

[Shia' Tan]

LOL

 

gj deathmonger, love it

[st. killa]

the whole purpose of hs is to get money and exp lol.......... if u could be loaned money then how would ppl be able to gain exp......... lol ppl should have to earn their own money by themselves with nobody's help..... that's what i had to do lol

----------------------- rc 1223

[11___________]

I am commenting from the pokemon\subspace post:

 

?load command critcally damages newblet's intelligence

 

Newblet faints

 

Newblet leaves Hyperspace

 

You earned $5 in interest, but lost your $100 because newblet never repaid you.

 

( i dont know why i posted a sheep)

[Shia' Tan]

because your wierd

[Evil Doom]

this is a zone dev area... dont go completely off topic in this section.... just not cool

 

yes the lone thing might not work because newbs might abuse it!!!

[Shia' Tan]

maybe. it dosent appeal that much to me for some reason. maybe cause it would just complicate things a whole bunch

[Suicide_Run]

Not that hard to abuse....make lotta alias, do ?loan 1000. Then donate urself/friends 1k. Since when u loan 1k, you will have 2k in total from the initial 1k. When u give 1k to others, u still have 1k which means ur balance aint under ur load nor the minimum money requirement. After that is done, just delete that name off your profile....repeat and u basically get lotta "1k"s

 

To go around the exp-loan ratio, just get 100 exp (16-20 kills off higher exp ppl) and volia. That means u get 1k (from loan) + money u earn for trying to get 100 exp.

 

Maybe u guys r thinking about ?loan in a wrong way.....instead of making ?loan a zone-player relationship. You should make it player-player like wat death said......but more reasonable and interest rate are set zone wise but people can set how long be4 loan is due. Like ur post to pm someone "/?load #:#" where first # is amount u want (or want to loan to ppl) and 2nd # is how long they have to pay loan.

Then the opposite player must ?accept the loan be4 transaction happens. At the loan maturity date, the loan+interest gets transfer back to the lender. If the borrower doesnt have enuff, then they get reduced to $0 and all money they earn ill be transferred to lender until loan is payed.

 

But then again, too much work for brain XD

[Shia' Tan]

yah, sounds like a pain. good idea tho