Guild Wars 2

Introduction:

Guild Wars 2 has a “Deposit”, a place in the bank, where you can deposit money.
My idea is to add a “Investment” window, a place where you can invest your money.

How does it work:

You go in the bank, add an investment at the investment window.
You can not add/remove it for a week. (You can, but you must pay a tax)
After that week, the bank will pay you, for your investiment, a “Interest Rate” over the money you had invested.

For Example:

You invest 1 gold;
Let’s say, the Interest Rate is a constant value of 10%;
After a week since you invested, you will have 1 gold and 10 silver.

Looks a small amount, but if anyone invest high, like, 100 gold. After a week he will have 101 gold.

Why add this?

I think it is a good way to reward people that can’t play, very much, during the weeks.
Once you have to pay other taxes like, Trading Post’s tax, all waypoints, armor.
It would help everyone.

What do you think?

Inflated gold, people who are rich get richer. People who are not rich get very little out of it.

Precursor farmers can basically put their gold in, wait two months, and make more than anyone can farm.

AnemoneMeer.7182:

Inflated gold, people who are rich get richer. People who are not rich get very little out of it.

Precursor farmers can basically put their gold in, wait two months, and make more than anyone can farm.

It can be easily solved by adding a maximum value.

the thing about interest is that the bank gives it to you in real life so you will put your money in thier hands. Once there they do all sorts of stuff with it like give loans, invest it in other things and pay interest. That motivation of interest is there to keep you from not using your money so they can use it elsewhere.

In game economy has no need for a bank to “buy” your money from you, so there is a break in the game economy if you would give gold for nothing.

In games its all about making sure the gold being generated doesnt outpace the gold being destroyed. i say destroyed not spent. Destroyed is when no player controls it, so you buy something from an npc that gold is destroyed, you buy something from a player on the TP and it is spent and continues to float in the economy.

game economies fail most often simply because they cater to the players desire for more money and then the currency loses all value as many gain way too much, forcing price up on the markets and driving new players away who have not had a chance to exploit the system and gain exorbitant amounts of cash.

This would work if and only if the GW2 bank would work on the idea of fractional banking. Obviously this isn’t the case and therefor the whole idea is stupid.