Bank ownership

[Klaus]

I don't think many would be prepared to lose a percentage of their deposit to the bank each time.

They would otherwise all their money will get looted by criminals.

[~Legend~]

Someone may just decide to set up their own banking system under a different deal (they themselves would likely end up depositing all the money in their account in the official bank to keep it safe) - players may have an alternative method; one which may be unreliable, but who knows.

May seem a little unfair having to give away a % of earnings on top of tax, as you'd be now forced to use the bank with /c loot in place.
Free banking does exist.

Also, the money that you'd have to give to the bank would that be based on every transaction, a one time subscription or multiple subs?

In a way you could develop a system working around the concept of what 'tier' subscription you took out, the more/less the bank would allow you to deposit.

It could become incredibly annoying having to pay each time you moved money around though.

[Klaus]

You make it sound like people will lose a lot. We're talking about small percentages here. Say someone deposited $1000, they'd lose only like 100 bucks. It's a small price to pay to keep your money safe. I know there are moneymunchers out there who wouldn't like the idea though.

[freestyle_Shadow]

Ok, so I have few ideas to be added if "Bank ownership" will be implemented for real.


1. When criminals rob the bank, they get for example ( 35k ) and 7 bank accounts lose ( 5k , very hard to do, rite ? )

2. When you store $$$ in da bank, from time to time they get a ++ ( and obv more $$$ took out when someone robs it ), so you can choose either to store your money in your house, or to store them at the bank ( so if ARPD takes control over the bankrob, nothing will be lost, and people will say thanks thanks to ARPD. )

3. Implement Bank ownership along with Bank manager position, so someone must do the hard work there, right ? With this done, we will add one more job ( a hard one ) so the manager will have to take the money out from accounts, deposit them, wire them, commands that are not accesible to normal citizens. + what Marcell said about robberies ( you can take manager as hostage )

Pros: Teaching how to be a good manager, more responsability, more jobs, etc
Cons: Bank will be opened just when Manager is there, but also teaches you when, how and how much to deposit

[Kessu]

Ok, so I have few ideas to be added if "Bank ownership" will be implemented for real.


1. When criminals rob the bank, they get for example ( 35k ) and 7 bank accounts lose ( 5k , very hard to do, rite ? )

2. When you store $$$ in da bank, from time to time they get a ++ ( and obv more $$$ took out when someone robs it ), so you can choose either to store your money in your house, or to store them at the bank ( so if ARPD takes control over the bankrob, nothing will be lost, and people will say thanks thanks to ARPD. )

3. Implement Bank ownership along with Bank manager position, so someone must do the hard work there, right ? With this done, we will add one more job ( a hard one ) so the manager will have to take the money out from accounts, deposit them, wire them, commands that are not accesible to normal citizens. + what Marcell said about robberies ( you can take manager as hostage )

Pros: Teaching how to be a good manager, more responsability, more jobs, etc
Cons: Bank will be opened just when Manager is there, but also teaches you when, how and how much to deposit

I don't like the "Bank open only when Manager is on" at all tbh. What I do like, is the manager being held as hostage of a kind and hopefully then we'd see more of FBI negotiation and criminals taking their part on it too  :cool:

[Klaus]

When criminals rob the bank, they get for example ( 35k ) and 7 bank accounts lose ( 5k , very hard to do, rite ? )

No. All money deposited in a bank is naturally insured, meaning players wouldn't lose their money.

[JDC]

No. All money deposited in a bank is naturally insured, meaning players wouldn't lose their money.

Assuming the bank is placed under private management with the focus placed on the money deposited into the accounts, where will the money taken during robberies come from?

[Kessu]

Assuming the bank is placed under private management with the focus placed on the money deposited into the accounts, where will the money taken during robberies come from?

Let's put it this way so you can understand:

You deposit money in bank, say a big $100,000.00

Well, as you are the most unluckiest person on the planet, your bank gets robbed the day after your deposit. No matter how big amount gets stolen, NO customer will lose any money, due to insurance the bank has. Any money customer(s) deposit, is 100% secured, no matter if the bank is robbed or not.

[Klaus]

Money from bankrobs is spawned by the script

[Call_me_Dad]

You can roleplay and create your own bank.
I had that Idea during GTC days, would have made the best business ever on Argonath....but you know how I roll.

Buy a building, make it a bank.
Get some trusted employees.
Create a new account "BankName". Share the password only with highly trusted employees.

To open an account a customer will have to pay the bank 10k non-refundable.
After that, he can deposit his money in your bank. The bank generates interest, so the customer gains x% of his deposit every month.
For sure, your bank will be popular. As the scripted bank doesnt offer any interest. Players will definitely prefer your bank.

Though, the bank might suffer some losses if I deposit my cheated 9000 millions dollars.
But with proper managing, this business has a lot of potential.
Such a business would require a website, with scripts to deposit and withdraw requests and maintain bank balances/calculating interests. But that hardwork can pay off ingame.

[JDC]

Gvardia already operates a player-owned bank of sorts in SA:MP, which is proof that a committed group of Argonath players would be able to manage a bank on their own.

It adds more player interaction as well, cementing the essence of "multiplayer".

[Marcell]

Gvardia's bank is basically a loan service if I'm not mistaken.

[JDC]

Gvardia's bank is basically a loan service if I'm not mistaken.

I stand corrected then.

However, a similar mechanism can still be applied for players who wish to establish a player-run bank.

[Kessu]

That has been ran before by Alarba as TAC Loaning Service (or something like that) with no script support. What people would like to see, is a script support to avoid scamming (hehe, nothing against a little scam of 100k in roleplay matter)

[stormeus]

What people would like to see, is a script support to avoid scamming (hehe, nothing against a little scam of 100k in roleplay matter)

That would be called a contract. :roll: