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Diarrhea Face
Super Happy Fun Corp VERY BEST
3
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Posted - 2015.02.23 01:19:52 -
[1] - Quote
The loan shark and the borrower agree on a loan amount, an interest rate, and a deadline for when it needs to be repaid. Corrupt Concord agents act as middle men and receive a small percentage of the interest rate. If the borrower fails to pay back the loan by the agreed upon date, the corrupt Concord agents give the loan shark a kill right on the borrower and turn a blind eye.
Of course players who are already KoS due to low sec status, those who live in low/null, and traders who never undock couldn't care less about a kill right against them. And people can create a char just to borrow money and biomass it afterwards. But these and similar scenarios need to be taken into account by the loan shark when deciding who to loan money to.
Don't know if this idea would actually work or not, but I figured I'd throw it out there. |
ShahFluffers
Ice Fire Warriors Snuffed Out
7460
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Posted - 2015.02.23 01:25:39 -
[2] - Quote
This is already a thing. Except we don't involve NPCs. We contract player run suicide gank squads and war-dec corporations.
"The Skillpoint System and You"
"How did you Veterans start?"
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Diarrhea Face
Super Happy Fun Corp VERY BEST
3
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Posted - 2015.02.23 02:28:50 -
[3] - Quote
That defeats the purpose, though, since you have to pay for a dec, or pay for the ships you lose in the suicide gank, or pay to hire others to do it for you. As a loan shark, you're trying to make money, not spend even more for not being repaid. |
Kabark
Caliburn Company Violent Declaration
14
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Posted - 2015.02.23 02:42:41 -
[4] - Quote
I believe a few years ago there was a banking scam that did this. It got so out of hand that CCP had to declare it a violation of the TOS and requested any player that got screwed submit a ticket and they would be reinbursed. I would link it if I knew what year or era it was in. Supposedly it was a player run EVE bank that many thousands of players put their isk into with a small positive interest in return. This must have been around 2008 or 2009. |
Zimmer Jones
Aliastra Gallente Federation
123
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Posted - 2015.02.23 02:46:06 -
[5] - Quote
Diarrhea Face wrote:That defeats the purpose, though, since you have to pay for a dec, or pay for the ships you lose in the suicide gank, or pay to hire others to do it for you. As a loan shark, you're trying to make money, not spend even more for not being repaid.
But you have already poked holes in your idea with the original post. Fine, let's do a simple fun scenario:
I borrow x hundred million, because I'm not ambitious and don't want to be suspect. I transfer all of it to an alt, and fly for a month in t1 crapfit ships waiting to be popped, at which point all is forgiven? A fool and his/her isk...
Or is it that you want a perpetual kill right?
You essentially paid to kill me, and gotten the short end of the stick, with NPC assistance. Profit? Mine. Your options now are to grief without concords blessing or pay others to do it, unless you just accept the losses and try loaning again.
Any way you look at it, you lose, and will never have any kind of protections or refunds. The idea as you have presented it will not work, all it does is give the loanshark in game paperwork and everyone else the joy taking the sharks isk. |
Diarrhea Face
Super Happy Fun Corp VERY BEST
3
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Posted - 2015.02.23 02:46:57 -
[6] - Quote
Yeah, I remember that. It was Phaser Inc or something like that, right? I thought they just took the money and ran. I didn't think CCP got involved. In any case, that's a bit different than what I'm talking about. |
Diarrhea Face
Super Happy Fun Corp VERY BEST
3
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Posted - 2015.02.23 03:03:26 -
[7] - Quote
Zimmer Jones wrote:Diarrhea Face wrote:That defeats the purpose, though, since you have to pay for a dec, or pay for the ships you lose in the suicide gank, or pay to hire others to do it for you. As a loan shark, you're trying to make money, not spend even more for not being repaid. But you have already poked holes in your idea with the original post. Fine, let's do a simple fun scenario: I borrow x hundred million, because I'm not ambitious and don't want to be suspect. I transfer all of it to an alt, and fly for a month in t1 crapfit ships waiting to be popped, at which point all is forgiven? A fool and his/her isk... Or is it that you want a perpetual kill right?
Actually, I was thinking about that and I don't know if it would be perpetual kill right or not. I'm kind of thinking it would be, but again I'm not sure.
And yes, you described a scenario that I pointed out in my original post. The loan shark would have to do his homework: is it a highsec player that regularly missions, hauls, rats, etc? If so, that's someone you would more likely loan to, since it would disrupt their gameplay if they didn't repay the loan.
You're right, though: they could just fly a crappy ship until you get tired of popping them. Then again, plenty of people follishly continue to do their regular activities -- missioning, mining, whatever -- even during a wardec.
It's also true that they may just abandon that character; but there are also people who illegally buy ISK, end up with a negative wallet, but continue to play on that char because they've invested so much time and energy into it, they don't want to give it up.
I realize this idea may not work. But it doesn't hurt to bring it up and get feedback. Maybe it'll spur some ideas and others will come up with better alternatives.
As far as the NPC portion of it, I brought that into it for two reasons: (1) CCP likes collecting taxes and fees on various things, so this would be another (albeit small) isk sink for them; and (2) it provides a back story of why loan sharks would be able to get kill rights on borrowers. The same way wardecs are allows (the wardec fee is a bribe to corrupt Concord officials to look the other way, if I'm not mistaken). |
Kabark
Caliburn Company Violent Declaration
14
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Posted - 2015.02.23 03:25:30 -
[8] - Quote
I got it! NPC financial institutes can give out loans with x interest depending on sec status. Example being; +2 sec can receive a max of 20m loan. If not paid with interest by the due date, sec status is reduced by x amount to equal a negative sec status that costs more to repair than buying tags from Concord. Keep the loan amounts capped at 100m for +10 and a default on 100m would equal a -5 status which costs around 250m to repair. And felony status for felony theft :) not perfect but it does take some time to grind up sec status and I don't think a ton of Care Bears would like to know what a pirate feels like in high sec. |
ShahFluffers
Ice Fire Warriors Snuffed Out
7460
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Posted - 2015.02.23 03:59:36 -
[9] - Quote
Diarrhea Face wrote:That defeats the purpose, though, since you have to pay for a dec, or pay for the ships you lose in the suicide gank, or pay to hire others to do it for you. As a loan shark, you're trying to make money, not spend even more for not being repaid. You don't have to do this all the time. Just make high-profile examples of certain people to set a precedent and create an aura of fear.
CODE does this pretty well in high-sec with its protection racket. There is no way they can possibly kill ALL the high-sec miners and haulers who don't pay "mining/hauling permits"... but they kill enough and make it high-profile enough that others are scared enough to actually pay (even though they realistically have no reason to).
Sometimes you have to spend a little extra to make something profitable.
edit: and again... you make it sound like "loan sharking" doesn't already happen. I can assure you... it does. In exactly the way I described (players hire other players to kill the defaulter repeatedly).
"The Skillpoint System and You"
"How did you Veterans start?"
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Zan Shiro
Alternative Enterprises
582
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Posted - 2015.02.23 13:33:01 -
[10] - Quote
Diarrhea Face wrote:That defeats the purpose, though, since you have to pay for a dec, or pay for the ships you lose in the suicide gank, or pay to hire others to do it for you. As a loan shark, you're trying to make money, not spend even more for not being repaid.
Its called collateral. Ask for something good upfront before the loan made.
And what does this solve really? Since we can assume a no collateral loan, why you go to more off the books money lenders to out it nicely, in the first place you violate a major rule of the trade. Don't kill the borrower. They send the bone breakers, dead men don't pay debts too well.
That and this can be abused easy. You covered stuff like alts. this doesn't even need that. I take main, borrow say 5 billion. I default on loan. You send out your 1 time free kill hitman on me. I go boom. Lets have me in empire rattlesnake mission running. 600 mil is fit. another 600 mil to replace after meeting your "collection agent". I am still up 3.8 billion on the deal. No hiding required. |
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HTC NecoSino
No Vacancies
167
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Posted - 2015.02.23 13:43:02 -
[11] - Quote
Fly a small, cheap ship Make isk Buy a bigger, better ship Make more isk
Rinse, repeat. -1 as this idea is not needed. Don't lend isk to people you don't know. Rather, give isk to people that need it so that they may get better and you can kill them later. |
Alvatore DiMarco
Capricious Endeavours Ltd
3517
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Posted - 2015.02.23 14:39:32 -
[12] - Quote
I don't know about others, but I would be delighted to take out a staggeringly unpayable loan on a disposable alt, transfer the money to my main and then delete the alt.
Don't underestimate the depths of New Eden's greed and stupidity - there'd be a loan shark out there who'd be willing to take the bait and make me a multi-billionaire. |
Zan Shiro
Alternative Enterprises
582
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Posted - 2015.02.23 23:58:22 -
[13] - Quote
Alvatore DiMarco wrote:I don't know about others, but I would be delighted to take out a staggeringly unpayable loan on a disposable alt, transfer the money to my main and then delete the alt.
Don't underestimate the depths of New Eden's greed and stupidity - there'd be a loan shark out there who'd be willing to take the bait and make me a multi-billionaire.
I dread the ccp fix this threads to be spammed after. You know, like we get with trade window and bounty. 2 things people would be best to avoid using in the first place to make life so much better, but don't. They use then whine here. Way too often lol. |
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