[Suggestion] Loans from Faction Vault

[NexusImperium]

Hey Gree,

Here's a suggestion/idea for you:

A bunch of members of our faction have expressed interest in being able to either:

1) Give other faction members $ or
2) Take loans from the faction vault

I think #1 isn't such a good idea because for a lot of people it would mean completely abandoning the attack/raid gameplay which is core to Modern War, and give rise to simply living off the faction dole.

With #2, players continue to attack/raid/collect and donate into the faction vault. Now, say a player needs some cash - he can borrow some from the vault, with a bit of interest. In the end, the player benefits by being able to purchase units/building upgrades, and the faction benefits with interest coming into the vault (and players becoming stronger/having higher IPH).


Interest

* Every time a player collects their buildings/raids/attacks, 5% of the income goes toward their faction debt (like wage garnishment). That way, no deadbeats are allowed.
* When taking a loan from the faction bank, the total repayment amount is all of the principal plus 10% interest. For example, borrowing $100M from the bank will require $100M repayment plus $10M interest for a total of $110M repayment.


Conditions

* Officers/leaders can take loans whenever they want (open to discussion on this). Members must be approved for loans.
* No faction member (any rank) can take more than their IPH * 20 for a loan. For example, this works out to be a maximum loan of $20M for a player with $1M IPH (also open to discussion). This way, newer players still won't be able to take huge loans to rush-upgrade their buildings or build the expensive LTB without some kind of collection/raiding effort on their own.
* Faction bonuses can raise the maximum loan cap (for example, IPH * 20 + (Bonus level * 5)
* If a player takes a loan and leaves the faction (on their own) before paying it off, then their income garnishment becomes 15% until the loan is repaid. They're unable to take any more loans until the original is paid off (prevents loan hopping).

[MW Flake]

Suggested before, and I believe totally shot down by Gree, as well as by the majority of players.

[BrisingrBoss]

Major problem here!!! Player gets a loan, player leaves the faction!!! How is GREE supposed to keep track of what he owes?

[BrisingrBoss]

Might be easier to just allow officers to donate money to members than to loan.

[DEWIN NUTTIN]

Major problem here!!! Player gets a loan, player leaves the faction!!! How is GREE supposed to keep track of what he owes?

Make it a gift, it ain't real money, bro.

[ezmunie]

No loans. Player needs cash, make a purchase with real money from gree. Otherwise, increase your IPH so you'll have your own money.

[Robespierre]

Dude, just recycle your units...instant pawn shop. Might result in a stat drop, but will produce similar results, and only impact you.

Ohhhhh....you wanted to use other people's money.

Yeah, GFY.

[East Coast Bias]

This is analogous to the request to put a tenth confirmation button before recycling a unit. I'm sorry, but this is one of the least important changes the game needs.

Gree already gave a hand out so new players could fast forward 1-2 years of IPH building by re-releasing old LTBs. My mini went from 18m to 50m in 20 days, and should max out around 120m by the end of March. Was this fair to long time players? No. But it is what it is. The good news for you is that the game will be swimming with cash so if you didn't buy any of the buildings, you can still raid your butt off, which was the old fashioned way to get ahead.

[NexusImperium]

Suggested before, and I believe totally shot down by Gree, as well as by the majority of players.

Wouldn't surprise me as I'm sure some people buy vaults of cash. The only problem with that though is that there are likely far more players who would benefit from a type of loan system than buying cash because players simply don't buy cash as much as they buy gold.


Major problem here!!! Player gets a loan, player leaves the faction!!! How is GREE supposed to keep track of what he owes?

I've addressed this in the OP. The player can only have 1 outstanding loan from any given faction at a time. The only real risk to any faction is if the player takes a huge loan and then stops playing the game.


Dude, just recycle your units...instant pawn shop. Might result in a stat drop, but will produce similar results, and only impact you.

Ohhhhh....you wanted to use other people's money.

Yeah, GFY.

Dude, I know that intelligence around here is a rare gem, and I also know that you're more likely around here to find folks who think that in order to get ahead in life you must trade down. As an example:


I have a $100 TV and pawned it for $10. I'm $10 richer than I used to be!

So explain to me how recycling your units is any sort of long-term solution for the newer players/low-IPH players who may not have many valuable units in their inventory. This is an open-neighbor test so feel free to solicit answers from others in whatever collective of brain-damaged syphilitic baboons you hail from.


Yeah, GFY.

I know you're really cranky because of your accident but you really ought to ride a bike that has more than just a post for a seat. Your boorish, obtuse, effluvious response reeks of gross intellectual constipation.


[..] I'm sorry, but this is one of the least important changes the game needs.

Gree already gave a hand out so new players could fast forward 1-2 years of IPH building by re-releasing old LTBs. My mini went from 18m to 50m in 20 days, and should max out around 120m by the end of March. Was this fair to long time players? No. But it is what it is. The good news for you is that the game will be swimming with cash so if you didn't buy any of the buildings, you can still raid your butt off, which was the old fashioned way to get ahead.

I'll give you that it's not a hugely important change to the game, but it should take any decent software engineer, UX designer, and DBA 1 day to complete this functionality. And it'd benefit a lot of players. In fact, I could even break this functionality down into user stories for their backlog. They'd just have to take the tasks and run with it.

I'll also give you that the re-release wasn't fair to long-term players who already had the buildings. On top of that, allowing 4 of them made the problem even bigger. But in fairness, with all the new buildings out there it might be much easier to find a good raid target. But the raiding activity in my base has actually gone DOWN over the last 3-4 weeks, not up, and with all the building/upgrading activity going on in my base right now collection times are out of whack and I've left a lot of money uncollected for several hours at a time.

I'm experienced in game development, gameplay mechanics, and balancing and so I'll say that I'm concerned in terms of new players entering the game. This game does not have long-term sustainability, which requires Gree to continually invest into the game to a degree probably much greater than games like Clash of Clans. A big problem on the IPH side of the game is that Gree hasn't addressed the income disparity by re-releasing the buildings. Indeed, they only exacerbated it. They should've just made the LTB permanently available to all players, but only make them available to those who meet the level requirements. For example, Alexandria Villa, with the highest IPH, is permanently available but you must be level 275 to build it. Level 250 for AMR, etc etc.

This is part of the reason why I suggested faction loans as an alternative to the IPH problem.

[MW Flake]

I don't buy cash, I don't buy gold, and I have a pathetic IPH. I still don't want it. You don't need a 100m IPH to play this game. If you are new, get it the same way everyone else did. And before anyone gets any bright ideas, no I did not partake in the recycle glitch either.

[ezmunie]

If for some oddball reason Gree did approve this BS, I still would not allow loans in my faction. Increase your IPH on your own base, raid you butt off, but keep your hands off your faction's cash. It's to benefit everyone with bonuses, not to line your pockets.

[sstuutss]

If you are new, get it the same way everyone else did.
I believe you'll find thats part of the OP point......a new player can't. It was never well thought out, even Gree admits they didnt think the game would last this long. I've no problem with some having better stats/IPH or what ever because they have spent more than me or played longer or smarter than me. The problem is giving away stuff that means new players can never catch up, reguardless of how much time or money they spend. For e.g. a gold player starting 3 days ago could have 4 of every itb, a gold starting today can have the current itb, which if I remember correctly is pretty useless.
Of course another answer would for the new itbs to not be a waste of money iph wise

If for some oddball reason Gree did approve this BS, I still would not allow loans in my faction. Increase your IPH on your own base, raid you butt off, but keep your hands off your faction's cash. It's to benefit everyone with bonuses, not to line your pockets.

wow, I guess banks are doing it all wrong then, you should tell them they aren't making pots of money leading people money.

[Robespierre]

Your boorish, obtuse, effluvious response reeks of gross intellectual constipation.

Here is wisdom: you say "new player" when you mean "my llp accounts," and you want to make changes to a thinly veiled "war themed" casino game that takes an entire forum of contributors to make an informed decision on gameplay. You suggest making a loan-shark element to the casino game, which could make some sense based on the vulnerabilities of the customer base.

How about this for a suggestion: do some of your game development research on monetization and find out where the developers here get an ROI on their coding time. Then take all of your cleverly crafted "insults" obsessed with rectal references, look at yourself in the mirror, and think about how you present yourself for actual discussion. GFY (Good For You) buddy.

[Rolinz]

Suggested before, and I believe totally shot down by Gree, as well as by the majority of players.

I completely agree. Terrible idea and with Gree Math, nothing will ever add up right. And you trust their math? Disaster waiting to happen.