Okay, let's discuss this further. Black Monks is written in legacy script, which is presumably why no-one has bothered to update it, so it's easier to start over from scratch. How should a financial system work? My assumption, as I wrote above, is that you'd visit a special, scary station to take out a loan, and thereafter an ATM would be available at most stations for you to make repayments. Does anyone see a problem with that?Disembodied wrote:I'm a big fan of using debt in the game: personally, I think all players should start off with a ship, C*100 in cash, a whopping big overdraft to service, and a consequently lousy credit rating. The interest on the loan is a great way of draining off finances: the ideal would be to keep the player teetering on the brink, sometimes able to move ahead and afford some new kit, sometimes sliding back and having to take on dodgier cargos and more dubious runs to get back even. It's a great mechanism, and there's lots of potential to build in non-financial favours and penalties, too. It's a major restructuring job, though.Wildeblood wrote:There's a related issue that no-one's mentioned yet: should Oolite have a financial system? Should we be able to go to the Black Monks and get a loan at a not-quite-so-usurious interest rate, and have a method of making repayments that isn't quite so blood-curdling? I've often thought of a Black Monks' ATM at stations, so you only had to visit the monastery to take out a loan, but could make repayments - full or partial - almost anywhere. How would it affect the early game if you could borrow money to buy equipment or expensive commodities?
Then there's the issue of numbers: maximum loan amounts and interest rates. What numbers would make it actually useful to the player, without making things too easy?