Hi. My name is Oliver, aka OwMyWrists (yes yes, hilarious...). I am a resident on ECC with a history of bans. Okay, now the pathetic introduction is finished, I can talk about my thought process.

A bank.

That's right, a bank. Oh you might say "Gah! We all ready have a bank, fool!". Yes, to an extent; I'm talking about a next-level bank. A bank that you can deposit money into and give out loans. There are a lot of users on ECC, the cumulative funds is immense, incomprehensible. If we used those funds and formed a bank, we could deposit money into the bank, and over time earn interest. On topic, my first thought was that a loan is a formal request that you apply for (like applications for resident etc) and that takes the requested amount of money (limited to small amounts until you pay back) that takes small amounts from everyone on the server. However, the player with the loan can not lotto their money, and the money is taken from the account once their bal reaches the required amount.

Also, introducing a bank means that no money is lost from players if the user is not paying back


I just threw together some ideas. It's 1am and I'm sure it's poorly punctuated and maybe even not all in english. I'd love to hear some ideas from the rest of the server about what they think loans should be like.

From the funnily named fool,
OwMyWrists