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Regardless of level 50 prestige bonus, it's pretty obvious that base financing is broke. It encourages people who aren't in a SG to only want to join one that has lots of members. It encourages people who are already a member of a small SG to quit if they get an offer from a larger SG. It encourages SG leaders to go on blind recruitment frenzies to get any and every toon they can to join up, rather than recruiting based on concept, similar interests, and compatible playstyles.
Seriously, it needs a LOT of "looking into."
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YES! YES! YES! YES! YES!
This system is SEVERELY broken in the way that it encourages and rewards only the most "uber" of Uber Guilds, and leaves smaller guilds (and individuals) completely in the cold.
Here's a little hint: we all pay the same for this game.
Designing the equivalent of "player housing" and making it something that is only available on the "Guild/Supergroup level" is a terrible idea.
Then making it so you also have to have a HUGE, incredibly active Supergroup to partake in any of the cool features, is just a terrible idea squared.