Implement a neutral bank outside the Dominion.

[DollarPhil]

Considering that the Docks is a dangerous and chaotic place where PVP and muggings are rife, it seems odd and counter-intuitive that characters based there have to carry all their money around on their person, whereas the relatively safer Dominion has two banks.  I think a good idea would be a bank on Gull Rock, which functions like the old Grotto one used to. 500 gold flat fee to open an account, no further costs. A small operation consisting of a sleazy moneylender and a couple of dwarves with big, big axes. You could even have a "contact a DM for a loan" conversation option on him

It would be a valuable service to balance out the large reward potential of mugging someone not of the Dominion, and also a two way gold sink, both on the upfront cost and the ferry cost. Furthermore it would lead to more traffic to and from the island, and interesting encounters with various non-Dominion characters banking.

[Thomas_Not_very_wise]

A good idea, considering that the Bank in traensyr also catered to PCs for a flat 1000 gold fee.

[sylvyrdragon]

This is a grand idea.  If not on Gull Rock, then even right in the Docks, make the fee's higher if need be than that of the Dominion's.

[Letsplayforfun]

Keep in mind banks need civilized people to run them. If you choose to reject proper civilisation, get used to less services.

Scripted loans i'm not favorable to, because of PCs that just stop to play. Ask other PCs.

[Listen in Silence]

I'm actually against this. I find it silly for people living in the essentially anarchic docks and other areas to expect the sort of services and luxury provided by the lawful Dominion.

My second example would be the trader in the docks actually buying objects for more than Tobar does.

[Drakill Tannan]

Not necesarily. Mobsers look like a perfect way to establish an non-law regulated bank that would want to keep their word, since it's in their own interest. The merchant's guild could do the job.

[Brawling Mage]

I'm actually against this. I find it silly for people living in the essentially anarchic docks and other areas to expect the sort of services and luxury provided by the lawful Dominion.

My second example would be the trader in the docks actually buying objects for more than Tobar does.

Agreed.

[Ranek]

I'm actually against this. I find it silly for people living in the essentially anarchic docks and other areas to expect the sort of services and luxury provided by the lawful Dominion.

My second example would be the trader in the docks actually buying objects for more than Tobar does.

Agreed.

[DollarPhil]

I find it silly for people living in the essentially anarchic docks and  other areas to expect the sort of services and luxury provided by the  lawful Dominion.

A simple bank's no a great luxury. As I suggested in the OP, a strongroom, banker and NPC hired muscle (off duty Sons maybe) would do it. it's simpler than a shop, as you only have to worry about one commodity, and keeping high security. The Merchant's guild could indeed do the job, or Gull Rock having a bank  would lend it even more of a "free port" atmosphere, making it a tense  and active area. The docks might be anarchic, but it's definitely  capitalistic. Remember back in the early days of EfU we had the  Malatesta Bank there before we had any civil authority or services.

A simple bank or moneylender's not complicated (the sons have a  paymaster), and it's a good thing as it stops plots being derailed by  arbitrary mugging or fugueing gold losses. Before Ladderman Hall was set  up, Viordilai was walking about with 10-15 thousand gold stuffed down  his socks. One lucky mugger, and poof, plan derailed, money likely spent  fast. Banks encourage long term planning and more simmering levels of  crime as PCs don't have their entire savings on them to lose. it's not  something that can be PC-driven either as you can't store gold in  chests, and there are both security (you can't have a PC standing guard  all the time) and accessibility (if the banker's offline you can't gain  access) issues.

My second example would be the trader in the docks actually buying  objects for more than Tobar does.

That's actually a counter-argument. The Docks trader buys items for 3 gp more but there is nowhere in the Docks to sell spare potions. or buy crafting supplies. It evens out as there are fewer general services available, and it makes sense that shopkeepers would pay at bit more where it's harder to get hold of goods.

LPFF, I never suggested scripted loans, I said add a "contact a DM about this" option, as a PC faction gaining the money upfront and then having to start profiting fast to pay back a loan shark sounds like a good plot hook and a distinct flavour to the bank.

[The Boom King]

I like the suggestion. I mean, I never use banks anyhow, but it seems like a cool idea.

[Brawling Mage]

Right, a bank in a lawless place, where gangs mug and rob everyday, what a fine idea.

[DollarPhil]

I don't know if that's meant to be sarcasm, but yes, that's exactly why it is a good idea. I mean, there are shops selling valuable things in the same place.  Although the suggestion was to site it on the aggressively neutral Gull Rock, anyway.

[Porkolt]

People who come in here moaning about how the Docks should not get a bank because there's anarchy everywhere don't know how the Docks work and should make a Docks PC to find out.

[Drakill Tannan]

I don't know how the docks work, and yet, i support this idea. I insist, for a gangster in a lawless region, a bank is an exelent idea!

[Damien]

Sounds like a concept for a Touch of Class char though tbh lol if a place that is basically a slums gets their own bank.