City of Banking

So I had an idea.

CoX needs a bank. No not a place where we can store stuff, but an actual bank.

Only inf can be put away in this bank, and you can gain interest on this inf, slowly increasing it.

However in order to increase your inf, other people have to be able to borrow money. Borrowing money would work in this way. The first time a player may borrow as much as they like, but after a period (most likely decided by the amount) the load would be due to be paid back with interest. If you do not do so, every so often in your missions 'Collectors' would spawn. This would work in much the same way as Quantums do for Khelds. If you die in a mission with a Collector, whatever inf you have is taken from you to pay off this debt.

The loaned debt would be taken from other players bank accounts, and when it is paid back, the players whom have lent it out, would gain interest. (It would be split up so that just incase people who borrowed then went inactive would prevent the player loaning from losing money.)

A player borrowing money, however, must be at least level 20 to do so.

I know it still has some kinks to work out, but all in all, I think it'd be cool if not just to add a new faction to fight.

In other news, the "game needs bank" horse is still dead.

No offense, but you do realise that Inf is not currency in -that- sense of the word, right?

This is just nonsensical, in my opinion.

would never work at all. noone would use it. for this reason...

1. Take out biggest loan you can.
2. Transfer it to alt.
3. Delete original character.
4. ???
5. Profit

Actually it isnt a bad idea..in theory. Essentially they want a "free way to get money" however, if we translate this idea of a "Bank" into something that allows players to hold inf and items on a single server for all of their alts then we have a much more delectable idea!

You have 12 toons on Freedom. One toon has several million and several rare drops usable for one of your alts on them. Instead of having to rely on another person to do a transfer for you (or have multiple computers with multiple accounts) you place your items in your bank and long on to the alt you need and retrieve your items.

The only issue that this has is the ability to save "items" this is easily remedied by placing a limit on items that can be held so that the BM is not adversily affected by horders.

I like this "Bank" idea in this form.

How about creating a bank as a means to transfer infl and items, not as a influnece creating operation.
Heroes get people to do transfers for stuff alot already, this way you will not get ripped off.
How about the idea of a bank as a means to transferyour money or stuff from one hero to one of your alts.
You take your extra influence or items and put it in the bank in account under your global name.
Then you can log on with another hero and collect whatever you want for that hero.
That way you can have starting money for a new hero or a recipe that you earned on the hero who needed it.

You earned the infl and stuff through playing the game, you should be able to give it to one of your alts if you so desired.

I like the idea but a viable way to prevent abusers needs to be instituted.

Yes, it will open the door to abuses and create lots of problems that I dont think we need, (both account-wide influence sharing and a mail function for inf and items have been discussed to death too btw) and influence is indeed not meant to work that way, ideally.

Influence may look already too much like money (infamy even more so), but it's still meant as a non-monetary recognition of your deeds, whether it is direct or Hero Corps keeping track of them and seeing to you getting what you need.
And such influence doesnt grow from sitting around and not saving anybody.