Implement a neutral bank outside the Dominion.

[Capricious]

Banks aren't always marble and stone, with men in fine clothing and educations. In a slum there's no reason why some ambitious gangster wouldn't create a bank of sorts, and make a killing of his own from it. Where there's a money to be made someone will find a way to manage it.

[Damien]

gj for saying what i said cap and you're confusing a loan shark with a banker, there is no way someone who create that sort of system, that a bank requires, in a place where money is so rare and reflected so in the streets and area.

[Brawling Mage]

Banks are based on trust. You put your money there and you trust it will stay there until you come back to withdraw it. How can a business based on safety, stability and trust work in a place where robbing is actually legal?
Now, a loan shark would be perfect for a slums environment.

[Eighties Burnout]

yeah i mean what next?, have duergar manage the bank? gez!  [ j/k]

[Thomas_Not_very_wise]

<.< Oh, the bemoaning groans of thousands of coins lost

[The Crimson Magician]

Guys-

Gull Rock

The perfect location. There's just no conflict there.

[Nihm]

I think docks characters should periodically lose gold to reflect that they live in an environment of pickpockets and gangs.

[Joe Desu]

When will Gram Fathands come to set up a bank?  Please come, we are waiting for you.

[Capricious]

I think docks characters should periodically lose gold to reflect that they live in an environment of pickpockets and gangs.

Most of us do...only we get mugged by either PCs, or NPCs. Which is kind of why this thread started. Even those characters who have access to places where they could stuff the gold in their mattress can't, they need to carry it. Which means a Docks PC can easily go from several thousand to nothing, whereas a Dominion PC with that much gold would almost certainly be a Patrician, and be banking gold for free.

This isn't to say that I don't understand the difference, because I do. Docks PCs should be at more risk, and they are. But I also wouldn't mind seeing some option to stash some gold away so a single, random mugging doesn't have the potential to derail a player faction that's depending on that gold to reach some goal.

Some kind of compromise, something costly and appropriate to the setting, seems like a valid idea to me. Whether or not it gets adopted is up to the gamestaff, though, and if nothing is done well then that means we'll just go along playing as we have been. But after all, that's why there's a suggestion forum, for suggestions.

[DollarPhil]

, there is no way someone who create that sort of system, that a bank requires, in a place where money is so rare and reflected so in the streets and area.

Considering that the problem is "docks PCs can gain money but lose it extremely easily", that's not exactly true. There are rich and poor PCs and NPCs alike in the Docks, and it makes sense the rich would be even *more* careful than in the Dominion as they have no legal protection from theft other than what they can personally arrange.

How can a business based on safety, stability and trust work in a place where robbing is actually legal?

I'm not sure if anyone even read the first post before naysaying, but my suggestion was "Put it not in the Docks but on Gull Rock where troublemakers of any kind get locked up to die". The title even read "neutral" bank not "docks" bank.

Alternatively, for the Docks:

"Welcome to to Alastair, Cleric of Waukeen's Bank. The management thanks you for not stealing, and reserves the right to send merciless bounty hunters after anyone who does and cripple them beyond recognition."

Nobody robs the shops or shrines and they must have tens of thousands by now. Nor indeed the Sons' quartermaster.

yeah i mean what next?, have duergar manage the bank? gez!  [ j/k]

We tried that before. They nicked it ;). In the early days of the Underdark setting, there was indeed a Duergar Bank.

As Capricious points out, there is no way to stash gold even in a faction HQ. or even for the Sons, I hear, other than their pay account.  Also, loan sharks and bankers suffer from *exactly* the same issue of having to keep their money secure. I have always heard the idea of increased risk supposedly being linked to increased rewards on EfU, but this is an area where that certainly doesn't hold true. It's also something that is not directly solvable in-character, as there is no way to run a secure bank with PCs.

[12 Hatch]

I personally like the idea of unique benefits to siding with the Dominion.  It makes sense that those who support the powerful receive more privileges than those who live elsewhere!

I think it's best to keep the bank uniquely in the Dominion.

[Equinox]

Money lenders have been around for centuries, as have people willing to look after your money for a fee.

In the middle east there would be literally, houses that got turned into forts with a lot of big men inside armed to the teeth and a man who would -sleep- on the treasure chest.

I don't see why, especially on somewhere like gull rocks, there couldnt be another bank. Hells, if it doesnt get implemented i'd be tempted to make it a pc goal for my next son or w/e.

Sick idea.

[DollarPhil]

I personally like the idea of unique benefits to siding with the Dominion.  It makes sense that those who support the powerful receive more privileges than those who live elsewhere!

More shops, slaves, potential for Court power, greater security fom law enforcement, government... A bank is a very large benefit to not "people who actively side with the dominion" but "people who are passively able to go there unhindered". Patricianship is actively siding with the Armada, and offers significant perks like registered factions and legal freedoms. It does not make sense that nowhere other the Dominion would offer simple financial services.

The main rationale though is that you are taking a higher risk of crime and sudden conflict by living in the docks, and that risk shouldn't additionally be inflated by a complete lack of anywhere non-Dominion to store gold. Not just in case of muggings, but that its a good idea to have a "float " of a few hundred gold in case you get fugued alone and need to buy a couple of invis of a merchant, or other emergencies.

[Canzah]

It's a sick opportunity for a PC to start a banking/loan shark business in the Docks.

Everything doesn't have to be scripted. :(

[DollarPhil]

It wouldn't work with any degree of usefulness, Canzah. There's no persistent storage for gold, and it would simply exacerbate the problem of plots and savings relying upon one PC. You'd have to have a character carry the money, they'd have to be on regularly, and if they die or get robbed, the business goes tits up in 2 rounds. A banking system needs to be scripted in order to eliminate OOC issues from getting in the way. Loan sharking, though has worked, Yalta's done it, and I've sold items on credit.