Comments on: Money and banking in online games

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By: Bank of RPG?? « Got Game?

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By: Ryan

Ryan — Sat, 14 Jul 2007 17:59:09 +0000

If you actually read the article, you’ll notice that the loans, just like in real life, are coming from deposits that other players have made at the bank.

So, no, it wouldn’t contribute to inflation in any way. The only way it could contribute to inflation is if they gave out money that they didn’t have.

By: lemonquist

lemonquist — Sat, 14 Jul 2007 17:52:44 +0000

Wouldn’t giving loans just contribute to inflation? Without a controlling body to regulate reserve rates, the economy would collapse.

By: yunk

yunk — Thu, 28 Jun 2007 19:41:47 +0000

As people mention it’s the loans that are the problem, if there are any. A player could give his coin to another then default. Even if code could be written to automatically tax players, could the bank just take the money a 3rd party? Well I guess the company makes the “law” so they could. heh.

You know what, what about instead of depositing money and getting interest, players themselves can act as bankers/angels/venture capitalists for NPCs? You can go to the town, see which NPCs would like to borrow money, and what they will do with it. There might be feedback on that NPC, from players or maybe scripted feedback from other NPCs.

what the deal is though: say the NPC needs money to move cattle from one town to another. Not only can the Player loan him money, but this creates quest and activity opportunities: maybe the NPC needs help protecting his cattle, so the PC helps protect his investment. If the PC doesn’t, there’s an increased chance to lose his money. Each loan would come with an escort or protection quest, or maybe retrieve a rare item, with a greater chance to get his money with interest if the player decides to help.

Hmm it’s fun way to teach people how investing and risk work, while creating new content for them to play with.

By: Adam

Adam — Wed, 27 Jun 2007 23:15:19 +0000

The difference between MMO games and real life is that in MMO games there is unlimited sums of money being brought into the economy everyday - i.e. rampant inflation - while in the real world there is a finite supply of money that is injected into the economy.

If you allowed for games to support their own banks then you’re just injecting more currency into the already broken economy models of most MMOs