Raise Bank Rates

[cmenden]

Alternatively, I might suggest removing the bank because the Dominion's not stable enough to support it, but then people couldn't get their money out!

The title says it all, I'm a little surprised the setting was ever stable enough to support a bank in a colony, but things are getting rough, so the banks might raise the nonpatrician account rate to some higher number.

If this suggestion seems too heartless, feel free to disregard it, though!

[Craig210]

The bank is the main bonus of the duchy, Docks characters run the risk of loosing all there savings in one mugging. To be honest i think the bank's should raise rates to reflect the IC repercussions of the dukes actions.

It also means more muggings that are rewarding :D

[MrGrendel]

Additionally, we need an orphan pickpocket script that has a chance of taking 50% of your money if you stay in the Wastrel common sleeping area or spawn in the docks. Lawlessness is the main bonus of the docks, after all.
 
It also means docks characters are actually poor and need to do muggings. :D

[Egon the Monkey]

Going to repeat a point I raised back when I was playing a pirate. We decided to hit Docks PCs preferentially for a while because they had more money, whereas the Dominion PCs all banked theirs where we couldn't get at it. I've suggested for a while that a neutral bank on an island would be good. Access for Docks PCs, chance of finding and following enemies from there. The extra cost of the ferry in addition to bank charges would mean you'll dump large amounts at a go and likely carry more around, but don't risk losing it all to a mugger and derailing plots that rely on large amounts of money (eg Ladderman Hall).

[MrGrendel]

Egon, your observations as a pirate seem to be: more financial stability in the upper-class area and as a result more muggings in the lower-class area. Why change this, exactly?

[Joe Desu]

Well if Fat Hands were around, he would just one day close up shop and leave.  That bastard!

[IxTheSpeedy]

I would say that the dominion isn't stable enough "at the moment" to support banking, possibly, but having the potential to have your wealth outlast a single ganking or loss of all of your possessions is a nice perk for folks that think of their characters as long term.

[Egon the Monkey]

Egon, your observations as a pirate seem to be:  more financial stability in the upper-class area and as a result more  muggings in the lower-class area. Why change this, exactly?

Because we ended up robbing what was supposed to to be the impoverished area full of crooks, and hiding out in the lawful area full of rich folk with lots of tasty money (until we got ran out of town over a fight). The whole idea of the Docks is it's meant to be riskier, but there's little way to offset that risk. It's one reason why the Docks fluctuates in activity.  Seriously, if I wanted to make a lot of money on a robber, I'd effectively make a Dominion privateer who went after Docks gangs.

Before that though, I was playing a Ladderman, and Viordai Antalinov used to go round with a LOT of money when we were saving for Ladderman Hall. The entire plot could have been derailed by one robbery, and the money spent. Look at the Laddermen's success based to some degree on having some large-scale storage and lockable doors.

I'd consider a neutral bank with upfront fees like 1k or so like the old Grotto to be a valuable thing in helping Docks or outlaw factions have a means to save for long-term goals. Otherwise one PVP or quest perma can sink your group. Fees enough (or raft costs) that you can't bank every penny you earn, but low enough you do keep savings. Considering that the Docks is rife with crime, it seems sensible someone would try to make money out of it by setting up a bank somewhere else open to Docks chars. Allowing someone else to handle security (NPC bank) then means not every faction leader has to be a PVP build.

[EfUA_undercover]

So the OPs suggestion that the Colonial Bank isn't stable enough right now ends up in the discussion to set up a bank in a even less stable area? Come on guys!

Either way, I think paying ten percent of every deposit is quite a large sum, and I think every bank irl and ig would be able to support itself with such a fee! Just my two cent.

[Underbard]

The Dominion doesn't have to support the bank.  The bank makes plenty of coin from the percentage it already steals, er charges.  No reason to charge more.

[ScottyB]

Tomorrow's headline: Duke claims bank's gold, loses bet with ancient Nightriser gaming sub-commissioner.

[JavelinWielder]

PvP as a solution for the money crisis.

It just struck me, with the amount of player death and exile that seems to happen on the server, if the Duchy just seized all assets from dead or treasonous accountholders, they'd probably have money to spare.

Not that this is likely to happen. ;)

[Egon the Monkey]

They do. It's why it's hell on a player faction if the guy funding it dies and has the faction's money stored for a purpose like building an HQ.

[Underbard]

Since this thread isn't closed yet, I will reaffirm my opinion that this is not necessary.