Banking deed

[Incognito]

How realistic (ICLY) and cool (OOCLY) would it be, if everyone who banked with Nenyuk, got a banking deed, which needed to be in inventory - for every transaction (balance/deposit/withdrawal).

So, if someone died, you could steal their deed, and go and withdraw all their life savings (as against Nenyuk automatically "inheriting it all".

[Suhuy]

Aside from the weight issue, what would be the difference between keeping all your coins in your backpack and having a deed in your backpack?

[Desertman]

One of the main problems I see with money is that it has become more of a social construct and less of a material construct, which is ironic, since money is in essence the representation of every material construct in the game.

The reason for this? We have a full proof system in place that lets everyone from the richest merchant House family member to the poorest most pathetic street urchin stash away their money with 100% security any time they want.

You want to see money and fortunes and wealth start to mean something in game and start actually moving plotlines and driving real conflicts....make banks give you tickets for the money you deposit, the same way stables do for mounts.

Right now it doesn't matter if someone has 200 coins or 200,000 coins...you will never get your hands on it. If they have a few hundred coins, or tens of thousands of coins...it means absolutely nothing to anyone who might go after them for it. Going after them or starting anything over it is a pointless practice in nothingness because even if you kill them, the money is not and never will be on the table in any way to be a driving force in the plotline.

So what happens? People who are too weak to realistically hold onto vast fortunes hold onto them anyways, because even if you could kill them, there is no reason to.

A Nenyuk-stamped leather ticket.

Look Ticket

This ticket is made of leather. It has been stamped with the sigil of House Nenyuk. It is commonly used to claim coin deposits at their banks within the cities and outposts of Zalanthas.
A large black coin has been inked on it.


Following that thought:
A half a large black coin has been inked on it.
A small black coin has been inked on it.
A half a small black coin has been inked on it.


It would even give some IC "lore" in regards to people calling it a large and a small.

But really, I would just keep a few tickets in different containers on my body and remember what each was for. Why? Because that's easy and I don't see a problem. I personally would always know how much money was on my tickets and don't see an issue.

In the end, it is a matter of flavor for me. I really hate the idea of paper money in Zalanthas. I really like the idea of leather tickets that do the same thing as your paper money, because it seems to follow the theme. In the end, I don't really care enough to make a stink about what sdesc they give the ticket/banknote items, so long as the general idea gets in.

[IAmJacksOpinion]

Aside from the weight issue, what would be the difference between keeping all your coins in your backpack and having a deed in your backpack?

It's not, but that was most likely the OPs point.

[Kankfly]

I always think Nenyuk is the ultimate elf because people keep dying and they get to keep all the coins.

I secretly think that makes up part of their income.

[Jihelu]

I always think Nenyuk is the ultimate elf because people keep dying and they get to keep all the coins.

I secretly think that makes up part of their income.

That and loans and shit probably

[Desertman]

Two of my biggest downers when considering the theory of role possibilities.


Borsail, the slavers who really for the most part aren't.

And now this....

Nenyuk, the loan sharks and leg-breakers who aren't.

I would seriously enjoy playing a Nenyuki who gave out loans to people and then sent my underlings after them when they didn't pay up. Nothing huge. Small loans for the most part.

I would also enjoy playing said leg-breaker for my Nenyuki loanshark overlord.

Would be a fun role.

I can still do it I suppose without being in Nenyuk, but, something about having the Nenyuk name behind it gives it a bit more "flair" in my mind.  

[hyzhenhok]

Anything resembling paper money or personal identification papers are a bit anachrononistic for the setting, in my opinion.

In fact, trying to increase Nenyuk's realism just draws more attention to the fact that the whole thing is kind of out of place in the setting. It exists because banks and player housing are good for playability. Better to just hang a lantern on the fact that Nenyuki banks and real estate are a little weird because they exist for playability reasons. House Nenyuk mysterious, inscrutable, untouchable entity that is clearly heavily reliant on psionics and who wields power the other GMHs and city states shouldn't tolerate, yet for some reason do. That's good enough for me.

(Trying to make the fact that Nenyuk pockets the deposits of dead adventurers a core aspect of their business model is a little bit too much on the nose, on the other hand.)

[Desertman]

Making it more realistic to the setting would in fact make it seem less out of place.

[Delirium]

Make literacy more common, debuff psionics and then we can talk about paper money for Nenyuk.

[Desertman]

Make literacy more common, debuff psionics and then we can talk about paper money for Nenyuk.

Awww yissss.

[Chettaman]

I imagine literacy is already pretty common. People just don't want to die so they don't even go there.

Debuff the people who aren't psionists! Yeah!

[ladykiller]

I'm so confused by this thread.

[Lizzie]

You're suggesting that Nenyuk give up a rather significant portion of its income, so that tribals and elves and breeds and unaffiliated grebbers and low-life nobodies can have the convenience of being able to carry their wealth around with them and only use the bank to "cash in" their tickets when they need to use it.

I'm thinking Nenyuk would never go for that.

[Desertman]

You're suggesting that Nenyuk give up a rather significant portion of its income, so that tribals and elves and breeds and unaffiliated grebbers and low-life nobodies can have the convenience of being able to carry their wealth around with them and only use the bank to "cash in" their tickets when they need to use it.

I'm thinking Nenyuk would never go for that.

The tickets have no value unless they are given to Nenyuk.

The tickets do nothing but represent the wealth that is already in the possession of Nenyuk.....

[Lizzie]

You're suggesting that Nenyuk give up a rather significant portion of its income, so that tribals and elves and breeds and unaffiliated grebbers and low-life nobodies can have the convenience of being able to carry their wealth around with them and only use the bank to "cash in" their tickets when they need to use it.

I'm thinking Nenyuk would never go for that.

The tickets have no value unless they are given to Nenyuk.

The tickets do nothing but represent the wealth that is already in the possession of Nenyuk.....

Right. But with someone possessing a ticket, they would have rights to the money. If someone dies and the tickets are found, Nenyuk would not be able to claim the money. It would have to be held in escrow indefinitely "just in case" someone happens to have a ticket and wants to cash it in.

Presently, when someone dies, the account is immediately terminated and Nenyuk gets to keep it all, and has nothing on hold "just in case" someone stakes a claim for it.

Unless you're suggesting that the tickets be marked with the person's name on it, and Nenyuk would refuse to honor the ticket once that person is dead. In which case the ONLY use this idea would have is to lighten the load of the two or three characters in the world who carry around enough sids in their packs to weigh them down in the first place.

[Desertman]

You're suggesting that Nenyuk give up a rather significant portion of its income, so that tribals and elves and breeds and unaffiliated grebbers and low-life nobodies can have the convenience of being able to carry their wealth around with them and only use the bank to "cash in" their tickets when they need to use it.

I'm thinking Nenyuk would never go for that.

The tickets have no value unless they are given to Nenyuk.

The tickets do nothing but represent the wealth that is already in the possession of Nenyuk.....

Right. But with someone possessing a ticket, they would have rights to the money. If someone dies and the tickets are found, Nenyuk would not be able to claim the money. It would have to be held in escrow indefinitely "just in case" someone happens to have a ticket and wants to cash it in.

Presently, when someone dies, the account is immediately terminated and Nenyuk gets to keep it all, and has nothing on hold "just in case" someone stakes a claim for it.

Nenyuk literally creates money out of rocks. (Technically glass I guess.)

This isn't like real life where paper money is supposed to represent another material asset in some regard and there is a global economy dictating the flow and creation of currency and each currency's value as whole in relation to other currencies.

Nenyuk doesn't want or need your money. They make it....out of rocks......

Nenyuk being concerned about not having "access to commoner's money" is about as much of a concern as Tektolnes being afraid he doesn't have full access to your beetle because when you leave it in the stables you get a ticket for it.

That aside, the banking construct is for the most part an OOC construct.

Adding tickets isn't about making Nenyuk more realistic, though I believe it would, it's about adding a secondary dynamic layer to the banking code's usefulness in terms of creating a tool for interaction and fun in the playerbase.

[manipura]

If tickets were implemented, then Nenyuk would never have the rights to all that unclaimed money, right?  
Because the tickets are out there in someone's possession and whoever has the ticket has the claim to the wealth?

How does Nenyuk know when JoeHunter has died out in the wilderness in the first place?  Does Nenyuk regularly try and Way every customer to decide whether they are still alive or if their wealth is actually available for collecting?

I'm not sure whether this is an argument for or against banking tickets, it's just a thought I had.

[Desertman]

If tickets were implemented, then Nenyuk would never have the rights to all that unclaimed money, right?  
Because the tickets are out there in someone's possession and whoever has the ticket has the claim to the wealth?

How does Nenyuk know when JoeHunter has died out in the wilderness in the first place?  Does Nenyuk regularly try and Way every customer to decide whether they are still alive or if their wealth is actually available for collecting?

I'm not sure whether this is an argument for or against banking tickets, it's just a thought I had.

The general rule surrounding, "How does Nenyuk remember the face of every single person in the world who puts money in their bank to know their banking details.", has always been....


Magick/Psionics/Don't Question it.

[Marauder Moe]

I always assumed that Allanak minted the coins.  What with, you know, the Highlord's face being on every single one of them.

[Incognito]

Aside from the weight issue, what would be the difference between keeping all your coins in your backpack and having a deed in your backpack?

Coins weigh too much, and jingle, and call for attention, especially if you're carrying several piles, or one large mound of coins.

If you've got a deed stashed somewhere, no one is likely to know how much sids is on that deed.

In any case, the idea was to enable PCs to get their hands on the coins of other PCs, as against the money being lost in their accounts forever.

[Centurion]

I'm all for a ticket/deed system. Have been for a long time. I also really like the idea of nobles and gmh keeping large sums of hard cash in locked chests in estates as well, just to tempt thieves and on the odd chance a large scale robbery plot might happen and it gets stolen. I don't like universal banks. If you want to travel from Allanak to Luirs and shop big with Kurac, then you should be transporting lots of coins and NEEDING Byn escort, not just hiring them because you want to give them something to do. I hope Red Storm never sees a bank. Don't take that away from the raiders.

A 100% fool proof system shouldn't exist in keeping your coin safe with Nenyuk. A deposit slip or whatever you want to call it I think would work much better. Join a clan if you want more security of your shit. This system would even make more sense because Nenyuk wouldn't need to remember every single face, you just have your deposit slips and hand them in for their value and that's that.

[hyzhenhok]

Making it more realistic to the setting would in fact make it seem less out of place.

Only by moving the setting away from where it currently is and more towards one where it makes sense to have an advanced banking institution. We're not talking about changing Nenyuk the institution here, just making it more ubiquitous and unavoidable within the setting. I don't think it's the dissonance Nenyuk's current existence produces is a big enough deal to weaken the fabric of the setting in such a way.

Nenyuk, being relatively simple in that it acts only as a savings depository for the vast majority of people, can at least lay claim to being a primitive bank that somewhat fits the setting. As soon as you start having it issue paper money or promissory notes of any kind, suddenly we're talking about 18th century European banking innovations. And instead of Nenyuk being this weird thing that sits in one room in each city that most of the time you don't have to think about, suddenly it becomes omnipresent and everywhere.

If we want money to be more vulnerable, let's do it in a way that moves things closer to where the setting should be by shutting down the bank entirely. (You can let Nenyuk continue to exist as a shadowy property-ownership house which also provides financial services only to noble and merchant houses. It just no longer acts as a depository for commoners).

[flurry]

The net effect of this seems like it would be a massive increase in the amount of coins the average PC would have. And this would be more and more true over time. I wouldn't want the game to go in that direction.

It's good for the game that Nenyuk keeps the coins when a PC dies.

[Inks]

The net effect of this seems like it would be a massive increase in the amount of coins the average PC would have. And this would be more and more true over time. I wouldn't want the game to go in that direction.

It's good for the game that Nenyuk keeps the coins when a PC dies.

Yeah..I don't really want people to have more money. Playability wise. I would totally go for banks being unlinked though.