banking

[My 2 sids]

I'd like to see a code allowing PCs to share bank accounts.

Many people establish partnerships, small indie groups, and friendships in game and I think being able to open up a joint account  where all can deposit coins or take coins would make sense.

So, if K, T, and Zeb wanted to pool their money and start a small escort service... they could.

Or if Rob the elf wanted to try and steal from Nohab the crafty elf could try and smooth-talk Nohab to a joint money account and take the cash.

Or if Templar Xia wanted to employ a domestic they could set up the funding to do so.

The coding wouldn't be difficult I wouldn't think, so I believe it would be worth looking into.

[elvenchipmunk]

I'm in favour of this. I'd love to be like, I don't know, some sort of merchant or mercenary or whatever and be able to take money out of the account and deposit as well, while someone else is able to as well.

It could work in the same way as apartments, I think, only you don't need a key!

*Thumbs up*

[spawnloser]

> withdraw 1250

The Nenyuki banker tells you: "You have 250 coins in your account."

> tell jeb Okay, let's pool up.

You tell the bucktoothed hick in sirihish: "Okay, let's pool up."

> form Indie Group 2

The Nenyuki banker tells you: "You have formed a group account called 'Indie Group 2' here at Nenyuk."

> add jeb indie group 2

The Nenyuki banker tells you: "You have added the bucktoothed hick to the 'Indie Group 2' bank account."

[Ghost]

Yes, I would love to see this implemented.

[Yokunama]

Nice idea, but I see a hole in it. This could be used as a way to store all of your current character's money and use it on other characters you later add to your roster.

[elvenchipmunk]

Nice idea, but I see a hole in it. This could be used as a way to store all of your current character's money and use it on other characters you later add to your roster.

I don't think that could happen...

You see, as soon as you're killed, you're removed from the roster, and either the account goes bye-bye, or the other person takes control of it. Therefore to get access to that coin again you'd have to make a character that joins that same group, and honestly, there's nothing wrong with that.

Maybe you need to explain what you meant. Examples will help.

[spawnloser]

In my suggestion, you would need someone that is part of that group roster to add you to the roster.  If two people are making character after character and keep adding each others' new characters, that's clearly abuse, yes.  That doesn't mean that those that wouldn't abuse it shouldn't be able to have access to it.

[Beux]

I was thinking about this myself. I think it's an awesome idea and makes a lot of sense, as for abuse...well I don't know. I'd always thought the majority of the players here were more mature than that and if someone was abusing an account in that fashion, surely the imms would clock on. Maybe they could have an alert of some sort that notifys them when a character of the same IP was added to an account or something.

Though, in some cases this -may- happen without it being abuse most cases of this would probably be suspicious.

I think it would encourage independant groups more and also encourage sly behaviour, plus it makes sense for partners and such to share accounts the same way they share apartments.

[Dresan]

Its a good idea, abusable maybe, but its really an abuse at even a higher level then dying, making a new pc and going back to retrieve your old PCs corpse, i mean thats massive twinkage.


The thing with this idea is that i don't really know how many people would use it. I mean thats a huge level of trust that i don't think people ICly or even OOCly people have. Seriously how much coin would you put in there and trust that other people would spend it wisely, or not withdraw all of it and run, or kill you and get full control of the account. What if the partnership goes sour?

[Beux]

Doesn't really matter how many people -would- use it. Just that its there to be used, and abused IC'ly. Some people may have that level of trust, some might not, some may be tricked into.

And I really wish this damn fly would stop landing on my leg.

[Marc]

Great idea...

..wait..

It's already in game!

Not as seemless as just walking in and opening an account, but there ARE shared bank accounts already.  If you think you've got a good reason to have a shared account persue it ICly and email the mud account.

[Cale_Knight]

That's not the same thing at all and you know it, Marc. The imms aren't going to open clan accounts for every Amos and Amos who want to form a partnership.

Anyway, I can see very few reasons why Nenyuk would ICly want to allow this sort of thing. As it is now, when Joe Hunter dies, Nenyuk gets to absorb all his money. They don't allow next of kin or business partner or most recent fuckbuddy to take those funds.

If Nenyuk started allowing these shared accounts, they'd probably lose a not insignificiant source of house income - and I can't really see that being an option for them.

It's not like they have rival banks to compete with.

[Marc]

Sure it is.  It is exactly the same thing because code-wise it would function identically.  Two or more people with access to the same account, just like a clan account.  The only difference is that you dont want to have to rely on the imms, you want it to be seamless and automated.  Cool if it is easy, but how many situations would it be necessary or even prefered?  If you DO have a good argument it is dirt simple to have a new clan added and then the bank situation is taken care of.

*pling pling*

[creeper386]

Anyway, I can see very few reasons why Nenyuk would ICly want to allow this sort of thing. As it is now, when Joe Hunter dies, Nenyuk gets to absorb all his money. They don't allow next of kin or business partner or most recent fuckbuddy to take those funds.

If Nenyuk started allowing these shared accounts, they'd probably lose a not insignificiant source of house income - and I can't really see that being an option for them.

I highly doubt, that Joe Commoner's few hundred coins that goes to the bank when he dies is going to be a substantial income for the bank. I'd imagine that Nenyuk does all sorts of wheelings and dealings that make them money.

Plus, the life span of your average PC that uses a bank account is probably alot shorter then your average person in Zalanthas that use a bank account, all the other poor people that die often, probably don't have any money to set aside in a bank.

[Sir Diealot]

Zalanthas is harsh.  People die all the time.

10 commoners losing 300 coins in a bank account per day, in each city adds up REALLY fast for Nenyuk.  And, with murders, hunter accidents, templar slayings, and people just being run out of town, I'm sure that there are at least 10 a week, if not 10 a day like I originally said.

[My 2 sids]

I guess I feel this is akin renting apartments.   I mean, to give someone a key that's a lot of trust that they won't come into the apartment in the middle of the night and kill you...  or steal all your stuff.  

I don't think this would really take a lot away from Nenyuk because it just makes sense that families would pool money or that trusted slaves and employees would have access to money so they could get things done:  what master is really going to go buy food or a broom?

And yes, we can always write the Imms but that's not really pratical if we are to actually implement this in game.

[spawnloser]

Oh, 10 Joe Schmoe's dying in a day for a total of 3k income per day for the House?  CHUMP CHANGE.  They make more than that in an hour from their real estate businesses.

Also, the PC population isn't representative of the NPC and VNPC population.  Those NPCs aren't as stupid as PCs and don't die nearly as fast or as often.  I'd wager that many of them don't have enough money that they'd put it in the bank in the first place.

[My 2 sids]

If nothing else all great merchants and nobility have 'pets' they keep.  Nenyuk would be wise to allow anyone (including undercover high-ranking agents and their breed concubines) to form a joint account... no questions asked.



Besides, some things just make sense on a more OOC based level.  This would help encourage ICly-born independent affilations and groupings.

[Practical Kank]

If Amos and Amoso have 1000 coins they want joint access to, why not just put 500 in each personal account.  Viola.

[moab]

Besides who wouldn't pool up with someone and then as soon as jim-bob set off to kill his next scrab you then go withdraw all the coins from the account and get drunk.

LOL

Who do you REALLY trust?