Guild Wars 2

As long as the GW2 economy wants to mimic the real wolrd economy and they take taxes as listing fees and teleportation costs, why isn’t there a bank interest for the money we store in the bank? It doesn’t seem very fair, does it?

The purpose behind fees in a game like this is to remove money out of the economy. Without money sinks prices would be going up faster than they already are.

Of course if the GW2 economy wants to mimic the real world economy, we would need bankers pocketing huge bonuses whilst the economy falters; a wannabe-state like the EU stealing money from savers with more than 10g in their accounts in return for vague promises, and Queen Jennah using taxpayers money to keep the only bank in town afloat.

Nah, I think I prefer the in-game economy (and interest-free saving system) the way it is!

Well, I agree with OP. As Long as I stack gold in BANK and not some chest as in gw1, then I’d like to go further with this particular idea. Instead of just claiming money from us in form of tp “taxes”, we should also be able to make some cash by stacking gold in bank. It shouldn’t be a big % of course, but still.

Ow and also make it so that we can loan money from the bank. If you can’t pay it of the game even sent some goons after you wich are of increasing difficulty depending on how far your behind on payment and how much the debt is.

mercury ranique.2170:

Ow and also make it so that we can loan money from the bank. If you can’t pay it of the game even sent some goons after you wich are of increasing difficulty depending on how far your behind on payment and how much the debt is.

That would be awesome idea. Having goons spawning in randomly behind and attack you while you are busy with something else… Man, this is brilliant

Kojiden.8405:

The purpose behind fees in a game like this is to remove money out of the economy. Without money sinks prices would be going up faster than they already are.

Yes.

The problem in MMOs is the continual increase in overall coin that is in circulation over-time, which results in inflation. They need to combat such things as best they can.

Ronah.2869:

mercury ranique.2170:

Ow and also make it so that we can loan money from the bank. If you can’t pay it of the game even sent some goons after you wich are of increasing difficulty depending on how far your behind on payment and how much the debt is.

That would be awesome idea. Having goons spawning in randomly behind and attack you while you are busy with something else… Man, this is brilliant

If the goons defeat you they take your armor and T6 matts as collateral.

Banks pay interest because they arein the business of buying and selling money. A rale bank takes the money you deposits and they play the market. They pay you interest for the privilege of doing so.

In game the bank is more the real life equivalent of burying you cash in a coffee can in the back yard.

Until ingame starts using deposited cash to its own ends you need to think of it as a stashnot a bank

Henge.3907:

Ronah.2869:

mercury ranique.2170:

Ow and also make it so that we can loan money from the bank. If you can’t pay it of the game even sent some goons after you wich are of increasing difficulty depending on how far your behind on payment and how much the debt is.

That would be awesome idea. Having goons spawning in randomly behind and attack you while you are busy with something else… Man, this is brilliant

If the goons defeat you they take your armor and T6 matts as collateral.

So I’m just going to take out a loan for 211G and not pay it back, they can attack me all they want because I have enough money to just buy back the armor.

OR

I take out a loan, and don’t pay it back. I don’t have the money and they take my armor. They keep attacking me because I didn’t pay it back. I have no armor so I die ll the time. I can’t make money to pay it back. Game = Ruined.

Terrible idea.

Ronah.2869:

As long as the GW2 economy wants to mimic the real wolrd economy and they take taxes as listing fees and teleportation costs, why isn’t there a bank interest for the money we store in the bank? It doesn’t seem very fair, does it?

Gold sinks are a necessary part of MMO economies. The trading post listing fees and way point costs are not only fair, they’re actually doing you a favor.