Guild Wars 2

So today I was doing the math on how much I could make from crafting items and I had to, of course, add the fee it would take to list the item on the Trading Post.

(Which is kind of weird because the fee serves no real purpose as the money is cyber money and goes nowhere. It’s not like eBay or Paypal which profits from the small % listing fee.)

I was then taking real life into consideration in how I earn money over time and was thinking about long-term money-market accounts, savings accounts, etc.

I did the math on simply putting away 50 silver a day, using a casual gamer’s gameplay, and it came out to this:

50s (daily)
15 days (we’re stretching it to the minimum for those of us who have lives)

.5g * 15 = 7.5g/month

So, using my calculation if you’re a casual gamer like myself, putting away 50s every day you play will earn you over 7 gold a month.

If you were to do this for a year, by the end of the year you would profit the following:

7.5g * 12 = 90g/year

For us casual gamers, who have an eye out for the legendary and aren’t in any hurry, 90 gold in one year is pretty good… and that’s only if I were to put 50s a day for 15 days in a month. Needless to say I can always raise that.

And that got me to thinking… Arenanet could teach players how to manage money in real life!

I’m good w/ money in real life, but a lot of ppl aren’t… in fact over 80+% of Americans are in debt.

Fees are a normal day thing to us so when we see a fee in the trading post we simply take it as is… but the in-game money fee goes absolutely no where, so what’s up w/ that Arenanet?

Here’s a suggestion:

Reward the players who budget/manage money properly.

Even if you did a bare minimum 10% return investment rate for saving money in the bank, you would get the following by the end of the year using the figures above:

90g * 10% = 9g profit

As small as this is, it’s still an incentive for players to learn how to set money aside for bigger, better things in the future. It also plants a seed of wisdom that can subconsciously effect how the player (in the real world) handles their finances.

If anyone else agrees, please share this post and pass it on. Rewarding players who save money is great incentive to keep playing this game.

Thank you for your time.

Another way for the rich to get richer. Lovely.

ThCakeIsALie.5306:

… the fee serves no real purpose …

… a bare minimum 10% return investment rate for saving money in the bank …

trade post fee has a purpose. its to prevent changing your sell price. and its also gold sink.

10% interest rate is freakin a lot in real life. its either scam or high risk investment.

talking about investments. you can buy stuff in market and resell them. and if you explore it a bit, you can earn way more then 10% from the money you put in. tho that comes with risk.

and bank investments are bit more complex then you talk about. usually you cannot ‘use’ money you invested for fixed period of time. so uhm.. who in his right mind would invest 100g in bank and wait 1 year to take back 110g (lets assume its that ridiculous 10% rate). when u can invest 100g in market and double it in a week.. ok, maybe in a month if you are slow.

Frosty and Frosty Law Firm.4981:

Another way for the rich to get richer. Lovely.

none of the current ‘rich’ people who became rich by playing market would use that method. because market is way more profitable.

and the poor farmers? well… farmers never been rich in real life either

Yep I agree the fee prevents people from a) filling the TP with undesired or crap items b) adjusting the price for profit. And yes it is also a gold sink.

The problem with adding interest to bank gold is that it is the opposite of what they want to happen. People will hoard their gold because they know that for every gold they save, they will get a bonus interest. This will reduce spending and cause inflation of gold. Item prices will just rise due to the abundance of gold.

Also you have the problem of accounts that stop being active but are still gaining interest. It might give people ideas of just gaining as much gold as possible, stop playing and let the money grow itself and then coming back later to spend it all in one go.

It’s not like a commercial bank because this bank doesn’t need your money in order to provide the service. Consider your bank storage like a ‘piggy bank’ in your home. The only money coming in and out is what you put in and what you take out.

Ummm, No. Getting paid for doing nothing? No, just no.

Kaizer.7135:

Ummm, No. Getting paid for doing nothing? No, just no.

There are plenty of people irl who do just that. They tend to have … lots of money to begin with, ofc.

ThCakeIsALie.5306:

I’m good w/ money in real life, but a lot of ppl aren’t… in fact over 80+% of Americans are in debt.

I doubt you’re good with money in real life if you think being in debt means you’re bad with money. Unless you just like tacking on random facts to the end of your sentences, in which case my bad bro.

I’d like the idea if only the interest thing started to degrade the more gold you have in storage (say… from 10 gold) until you eventually don’t earn any interest (maybe at 50 gold).

Are you guys actually seriously considering this? Inflation would be ridiculous. There are people with 1k gold already, this would mean they get 10 % (100 gold) just by having that money in their bank, and each month they’d add that much gold into the economy without actually doing anything? It’s posts like these that just clutter this subforum and block actual good suggestions from reaching top…

I doubt ANet would see this as beneficial to the overall economy:

• It rewards people for not playing.
• It creates a new source of income, without a corresponding risk or gold sink.
• Unless it’s made into a complex system, it will reward wealthier players more than poor players. If it’s made into a complex system, then there are all sorts of other financial arrangements that could be added into the game that are probably more fun and better fit the game’s design philosophies.

In addition, there is already a pretty good hedge against inflation for individual players: convert coin to gems. It’s inevitable that the coin:gem ratio will rise over time, since players gain wealth much faster than the existing gold sinks reduce wealth.

Finally, the game already rewards players who manage their money well: they get to buy more stuff, invest more in the trading post, and afford the tools that help them play more efficiently.

I hope Arena net reads this and Laughs.

This is a post done by a person that has never taken or truly understands how economics works or believes that the Austrian economical plan is a sound IDEA.

When in fact GW economy is based more closely to the Keynesian Economic plan.

This thread is like a watching the Neil Cavuto show on Faux News. I think I’ll stick to making my gold from killing mobs, crafting and running dungeons.