Debate on bank capasity, is it needed or not?

by Nomad Sat Mar 10, 2012 7:15 pm

Along with the discussion on AT, and even more heated discussion between myself and Kong has been going on about the banking industry and AW. This one came very close to turning nasty, but luckily adding chocolate to the milk, and chips to the cookies took enough of the edge off for us to finish the conversation without coming to blows.

So, again I have found myself lost. Every game I ever played had banks (ascended excluded, everyone who plays knows why). Banks have always been tied to total population/size/income. Now I find myself asking Why? Is this really the best way? I mean again lets look at resource hording for what it is. You have 2 choices. Hording a resource for times of need, or using a resource in a way that profits your account in some way. Buying levels, buying tech's, buying raw UP, trading UU or Kewal or AT, farming or raiding. All these are expending resources to hopefully further your account.

Now I have always been one to have a large bank because I always saw its usefulness. It can often win or lose battles, I always thought thats just the way things should be,,,,, but now I find myself asking Why?

Have you ever had a bank refuse your funds because "we have to much money in the bank now,,,Sorry"? Even nations can store money in other countries and do so today. With the ingame changes to basicly remove the need for large banks by having everything purchasable with small installment I find myself wondering if a bank capacity is even needed or warrented any longer? I mean stripping it down to brass tacks, it all comes back to a personal decision to store or spend any and all resources, and when is appropriate at different times and under different conditions.

Complete removal of bank capasities does not harm the game in any way that I can tell TBH. If a small accounts wants to hord massive amounts of funds, even more then an account 1000 times it size then whats wrong with that? The account has suffered a great loss in growth to achive the hording. In the end its a balance of efficent spending versus sufficent saving as to not get caught without any resources in a time of war.

I have sat thinking on this issue many days now at work (I do physical labor so plenty of time to occupy my mind). What would everyone think of manking the bank capacity a thing of the past. The only use it would serve is the amount it is or less is free untaxed funds. Anything over that amount is taxed in some fashion. This coupled with a tax plan on GM would end all issues with bank limitations and the bypasses for them. Anyone could horde all they wanted no matter the size, at a cost of lost use of said resources. Add in all improvements could go to the installments system and I think we would have a truely unique Banking system in AW like no other, and one where as far as savable/horded funds every player in the game is equal no matter size or length of time playing.

Would love to see as many views as possible, Admin's included.

*opens the floor to discussion*

by kingkongfan1 Sat Mar 10, 2012 11:47 pm

Nomad wrote:Along with the discussion on AT, and even more heated discussion between myself and Kong has been going on about the banking industry and AW. This one came very close to turning nasty, but luckily adding chocolate to the milk, and chips to the cookies took enough of the edge off for us to finish the conversation without coming to blows.
Agreed, this one was very tough. but I would like to explain that my issue was/is with the limit on the amount I can store in my bank. (my bank will only hold 4 trillion kuwal,,, my question is "why?") I have never gone to a bank & had my deposit turned down because it was "too much money", or was told "we cannot hold all of that" they have always taken every penny I would give them. nomad brought up a good point about the physical size of the bank, & that was the most reasonable explanation he came up with & imo that is still a stretch for an adequate answer. that is the reason for this post I presume...

So, again I have found myself lost. Every game I ever played had banks (ascended excluded, everyone who plays knows why). Banks have always been tied to total population/size/income. Now I find myself asking Why? Is this really the best way?In figuring an accts income, I understand why it is tied to TP/size/income... but I am still not seeing the need for a "cap" on the amount of kuwal my bank will hold. I mean again lets look at resource hording for what it is. You have 2 choices. Hording a resource for times of need, or using a resource in a way that profits your account in some way. Buying levels, buying tech's, buying raw UP, trading UU or Kewal or AT, farming or raiding. All these are expending resources to hopefully further your account.

Now I have always been one to have a large bank because I always saw its usefulness. It can often win or lose battles, I always thought thats just the way things should be,,,,, but now I find myself asking Why?

Have you ever had a bank refuse your funds because "we have to much money in the bank now,,,Sorry"? Even nations can store money in other countries and do so today. With the ingame changes to basicly remove the need for large banks by having everything purchasable with small installment I find myself wondering if a bank capacity is even needed or warrented any longer? I mean stripping it down to brass tacks, it all comes back to a personal decision to store or spend any and all resources, and when is appropriate at different times and under different conditions.Cannot argue with this...

Complete removal of bank capasities does not harm the game in any way that I can tell TBH. If a small accounts wants to hord massive amounts of funds, even more then an account 1000 times it size then whats wrong with that? The account has suffered a great loss in growth to achive the hording. In the end its a balance of efficent spending versus sufficent saving as to not get caught without any resources in a time of war.I agree here as well...

I have sat thinking on this issue many days now at work (I do physical labor so plenty of time to occupy my mind). What would everyone think of manking the bank capacity a thing of the past. The only use it would serve is the amount it is or less is free untaxed funds. Anything over that amount is taxed in some fashion. This coupled with a tax plan on GM would end all issues with bank limitations and the bypasses for them. Anyone could horde all they wanted no matter the size, at a cost of lost use of said resources. Add in all improvements could go to the installments system and I think we would have a truely unique Banking system in AW like no other, and one where as far as savable/horded funds every player in the game is equal no matter size or length of time playing.Not sure that I understand "tax plan" that you mentioned, but I take no issue with the rest of what you said...

Would love to see as many views as possible, Admin's included.

*opens the floor to discussion*

by Manleva Sun Mar 11, 2012 2:41 am

Another interesting discussion and i am very disappointed to find that the two of you have used up all of the chocolate milk - you should be ashamed of yourselves.

But seriously If you want unlimited bank sizes then I want the ability to send my little team of bank robbers over to your place and empty it out.

Basically Bank Size Restrictions are used as a mechanism to encourage activity between players. An unlimited bank will totally kill any farming between active players. Most games of this type that I have played have employed two mechanisms, either there is no safe storage place for your income and it is up to you to protect it yourself or there is a safe place to store some income and what is left over is at risk.

My personal preference is to have a limited bank with excess income at risk. Bank sizes can be increased but not to the level that there is no risk to improving your account without some risk.

While I do appreciate the new ways to purchase upgrades I don't think that they are actually beneficial to the game. I would have preferred to see Admin go down the path whereby bank size was increased by investment like we had to do with researching upgrades but keeping the actual bank size below what was required for the other upgrades. Although I have to admit that I'm not sure exactly how to do this here as there are so many variables to take into account.

So I think there are only two valid options, Leave the current limitations in place or remove them and remove the protection from the Bank as well.

by Nomad Sun Mar 11, 2012 5:41 am

I dont see how removing bank capasity kills farming? The funds have to be moved or they can be farmed as they can be now.

I dont see leaving things as they are, again I would have to ask What is the point of having a limit or restriction, and then allowing 3 completely legal ways to bypass it that are free and unlimited?

@ Kong,,,,
Admin spoke of adding a "charge" to private brokers, He also talked of adding a "charge" for storing on GM. All this "tax" would be, is a "charge" for storing more then your bank capasity. So presently under the system we have, lets say you have a 3 trill bank, then it can hold no more. I suggest its free up till 3 trill, but you can put an unlimited amount in it, you just have to pay a small charge. Your bank capasity is what your "world/planet/nation/country/realm" can hold on its own in its banking system and economy,,, anything over has to be stored in other worlds/planets/nations/countries/economies,, therefore you pay a small fee, just like the fees proposed for Private brokers and GM.

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