Original Post
Toribash bank
I`ve found out, that in general tc in toribash are in the pockets of a few people, while mostly other ones have like 50k max.
This very lack of money demotivates them from the entire gaming, they can not afford a lot of things, they escape it,
because the richest ones mostly do not spend them, so, it is the way quite hard to get tc.
In order to fix this, I suppose there should be a bank, that provides tc for people, that are to return them with % to the actual bank.
(it is something like that debtors will have to pay the $ they were given and extra % - 10%, for instance)
(Remember a real-life banking system)
We can also find investors, that give money to it like contributions system in the regular banks, so, they give tc,
the bank gives them $, something like 3-5% from the amount they invest.
We can even go ahead and there could be something like a global bank from NABI, that gives licences to other ones,
made by toribash player and has a discount rate and rights to close any financial institution they find scaming, for example.
It also can a great deal of a lot of servises it provides, i can take part in organising this, the only thing i need is
the licence from administration, that approves my activites, otherwise if they do not give me it,
I would be highely appreciated to see, that nabi makes such a bank.
This very lack of money demotivates them from the entire gaming, they can not afford a lot of things, they escape it,
because the richest ones mostly do not spend them, so, it is the way quite hard to get tc.
In order to fix this, I suppose there should be a bank, that provides tc for people, that are to return them with % to the actual bank.
(it is something like that debtors will have to pay the $ they were given and extra % - 10%, for instance)
(Remember a real-life banking system)
We can also find investors, that give money to it like contributions system in the regular banks, so, they give tc,
the bank gives them $, something like 3-5% from the amount they invest.
We can even go ahead and there could be something like a global bank from NABI, that gives licences to other ones,
made by toribash player and has a discount rate and rights to close any financial institution they find scaming, for example.
It also can a great deal of a lot of servises it provides, i can take part in organising this, the only thing i need is
the licence from administration, that approves my activites, otherwise if they do not give me it,
I would be highely appreciated to see, that nabi makes such a bank.
It just looks like Adamant doesn't understand why is it going to become too much of a problem if implemented when I talk in English, so I wrote up some explanation in Russian, yeah.
He mentioned surety bond that we have irl, but that thing is absolutely not going to work in Toribash due to several reasons (the simplest one is why ask for TC from bank when you have friends who have that sum of TC you need and they're ok with paying for you if something goes wrong - I bet it'd be easier for them just to lend you the TC instead of having to deal with forum staff when you end up broke).
Real banks only lend you money when you assure them that you have stable income that'll allow you to pay in time (or to pay at all). In Toribash there are no "jobs" and the chances that you'll lose everything in the next duel instead of doubling what you have are pretty much the same.
Main question is why introduce a feature that requires so much behind-the-curtains work and is likely to be abused?
He mentioned surety bond that we have irl, but that thing is absolutely not going to work in Toribash due to several reasons (the simplest one is why ask for TC from bank when you have friends who have that sum of TC you need and they're ok with paying for you if something goes wrong - I bet it'd be easier for them just to lend you the TC instead of having to deal with forum staff when you end up broke).
Real banks only lend you money when you assure them that you have stable income that'll allow you to pay in time (or to pay at all). In Toribash there are no "jobs" and the chances that you'll lose everything in the next duel instead of doubling what you have are pretty much the same.
Main question is why introduce a feature that requires so much behind-the-curtains work and is likely to be abused?
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