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Cap the loan amount. The idea is that when an account has a crazy amount of playtime he can borrow a decent sum of money. In that time, he could've potentionally earned way more just farming bosses or some shit.
If the loan amount is capped before it can reach epic proportions, it can still be abused lightly at a lengthy but not too destructive cost (it could also yolo the entire account itself. I would not want to mine 100million worth of mithril/any ores)
Theres also the idea of creating something like a treasury. Some servers have the well of good will and so on. Player donated cash pools could be used as the debt funds. That way, lent money came from the players itself.
There are money ways to solve how abusable this is.
To Mr brett
I made it so you can upgrade the ammo amount in the cannon furnace.
The cost of upgrading gradually increases each time.
Lmao! Love the vid. Cool concept
I think you should add a credit score system to go alongside borrowing (plus adding a cap as mentioned). That way players with a better credit score (loyalty points, karma, trust, whatever you want to call it) would be able to borrow more (reasonably more) amounts. Players with higher credit scores would obviously have earned it and therefore less likely to bug abuse or yolo it.
I love these sorts of features in private servers (when done right) makes for much more diverse gameplay.
Adding interest would long term be a money sink and keep your economy in check. The only thing that breaks this is that players can create multiple accounts, as opposed to real life where there is only one of you. Would limiting borrowing to one account per IP work or would people be able to change their IP unlimited times (aren't there ways of locking players to a device like MAC address in RSPS?)
I thought about credit but the issue lies with your credit score increasing everytime you successfully pay your debt so you can keep borrowing money and paying it back to increase credit score. (so people can borrow and pay back instantly to increase their borrow amount which is broken) so If i changed it so credit can only be increased over a certain period of time then it may as well just work from online time.
Currently, you can borrow an addtional 100k per hour. 10 hours for 1 million coins is worse than what you can make on actual rs. It's really not that good. Only dedicated players would likely use it (which stops the majority of abuse) and the reason it's so low is because this was made without any real thought and isn't meant to be a main or key feature. I thought of a silly video to make and built this to make the video.
Interest is added every hour you don't pay it. If you're jailed, to pay the money back, you have to mine ores or sell items from your bank to the general store which scams the life out of you. If you're able to borrow 10million+ coins but can only mine 400gp ores, you may as well quit.
If some unlucky wanker actually ended up in a situation with no money and a ridiculous amount of debt, players can walk into the area and trade him at any time to bail him out.
If for whatever reason i cared enough to buff this feature, the best anti abuse method would work from a money pool generated from ingame currency so that no extra money seeps into the economy.
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