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Apr 6th, 2018
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2 Years ago
Apr 9th, 2021 - 12:44 AM
Nr. 2 #39669 3
You didn't have to include the template questions that I provided, but I'm flattered that you did ^^

I think it's a fun idea, and it could even be educational to younger players (and me, who's never taken out a loan lmao). Though as I've said in our PM, it could be very tricky to implement properly and would require a lot of planning to make it fair and non-stressful to both players involved.

Now that I've had more time to think -- for question 3, the obvious benefit to the borrower is that they gain some financial freedom for a short period of time, at least until they have to repay the lender. For lenders, I'm not sure what the benefit would be, since I have no experience with loans. I'm not a big fan of the idea of paying interest on a loan either, even though I understand it's an actual thing. Mainly because I can imagine the most common scenario where a loaning feature would be used is one where a rich player loans PC to a new player, who definitely can't pay them back in a reasonable timeframe, let alone pay interest. But I like that you were going for something realistic, and technically that would create a benefit for the lender.

I'm thinking a system that would work best in the lender's interests would be one where the borrower is only able to use the loan for something that will actually help them pay it back -- such as a bigger house. For example, if I loaned you 100,000 PC specifically so you could buy the final house, then I'd feel more confident that you're going to repay me in a timely manner, because you'd have the tools to do so. So maybe it'd work better as a house loan type thing? I can see how this might be cheaty though, because it could essentially rob a new player of the entire game experience. But to play devil's advocate, we've seen that there are some players who don't want the entire game experience because it feels too slow to them, so something like this might appeal to them. I mean, I'm personally against making giant shortcuts in the gameplay, but if enough people wanted it (like egg trading), my opinion wouldn't really matter. Edit: Then again, we already have the ability to send huge amounts of money to people, and it's no secret that many endgame players including myself have given people "house money" before...so there goes my sanctimonious claim that I don't like providing shortcuts in the gameplay xD

As for possible issues, I do like your idea of alerts/notifications. The only issue I see there is that notifications can be ignored. When all is said and done, there's no solid guarantee that a borrower will repay a loan. A partial fix might be to program an auto-deduction feature so that PC is automatically removed from the borrower and sent to the lender periodically. But the only issue with that is if the borrower runs out of money and they still owe more, then the lender is out of luck. Worst case scenario, I could imagine a borrower leaving the game specifically because they're tired of being in debt. At the same time, in its own way, that's educational too -- because you'd learn that being in debt sucks, and you might carry that into your real life being more careful about taking on debt. (Don't ask me why I keep going at the educational angle lmao; a lot of the stuff on pet sites is already educational)

Having said that, I don't necessarily think it's a bad thing to have a feature that operates on the honor system. We actually already have a feature like that: private trades. While it's secure to trade an item for PC, it's not secure to trade an item for an item. You would have to send an item for 0 PC and hope that the other player upholds the trade and sends their item too. So if we had a more complex feature like loans, there'd need to be a warning of some kind at least, so that lenders and borrowers know what they're getting into and what can happen.


For the specifics of how it might work, I'm imagining something like the private trade system, but more complex. Some possible parameters might be:

Borrower Username:
Loan Amount: ____ PC
Payment Plan: (This is where you'd set up how the borrower repays you. Maybe you'd have them pay small amounts periodically, or the full amount by a deadline.)
Auto-pay: On/Off
Interest Rate: (I know I said I didn't like this, but I can't speak for everybody)

And then there'd be a button at the bottom to create the loan and send it, and the receiver could accept or reject it.

I don't know how I managed to say so much about a topic of which I know nothing, but those are my thoughts lol. Hopefully someone smarter and more optimistic than me can offer better constructive criticism and ideas for how this might be doable. :)
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Last edited by BK47, Apr 20th, 2021 - 12:31 AM
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