I think this was meant for more larger scams. If I scam 10k, 1k wont be as much as if I scam 100k and have to pay 10k along with that.
So then if you're looking at marginal loss v marginal gain, you could scam smaller amounts - the people who were scammed wouldn't benefit and it'd just complicate things.
I thought this was less for the benefit of people who were scammed and more of providing an incentive for people not to scam...
But... it's a really awful incentive not to scam. Very few scammers would care. More just do it out of not intending to come back/arrogance of not thinking they'll be caught/etc
A smaller loan has smaller risk. When you're scammed a larger amount, you're putting a lot more at risk, and thus extra 5% means more. A 10k loan isn't much to lose, so there isn't much gained with the interest, and that isn't a bad thing. Anywho, you can't really take a lot of small loans to bypass this. You'd rack up the total interest (the additional 5% every time) on each small loan. And, if I take 20 10k loans, I'd be paying a lot more in interest on a scam then one 200k loan.
Right, but the problem is, this is a bad incentive not to scam. Very few malicious scammers care about damages they'll have to repay later. Look at things. Scams from broken tools/unexpected circumstances. This wouldn't prevent them from scamming. Scammers who don't intend to return. This wouldn't prevent them from scamming. Scammers who are arrogant enough to think they won't get caught. They wouldn't be prevented from scamming. These circumstances make up I would estimate upwards of 90% of large (100k+). If this is implemented it should be for the benefit of those scammed, because it won't act as a deterrent.
Well, I'd say there's three types of scammers; People who scam and never come back (I.E Builders getting a loan, then quitting the server) People who didn't intentionally scam (I.E irl issues prevent them from paying back a loan) People who actually have a malicious intent. Now, the third type is obviously where the suggestion is aiming at. I mean, unless they're complete idiots who think "Oh, I'll never get caught" they'll think about the consequences sooner or later. Many of the repeat loan scammers who actually want to play on the server will think about the consequences given that eventually they'll appeal and have to pay back the loan sooner or later. And if we have 10% interest plus the original loan, they'll think twice about scamming someone.
Your 3 types are wrong though. - People who scam and don't intend to come back (the difference here is it really doesn't matter regarding this if they do or don't, if they don't intend to, they won't care about consequences). - Unintended Scams - Other Other is really what's being targeted and other simply isn't a whole lot. If you bar repeat offenses of the same debt - which should likely be the case - then repeat offense scammers are very rare. Your idea plays on the fact that scammers will think of the consequences... but if they're willing to risk a ban, their reputation, then why would they care about an extra %? Scams like that are almost never calculated, the consequences almost never thought of. This would, I feel, disproportionately hurt the good players trying to repay accidental debts than actually hurt/discourage scammers.
What about thatkidarshi, giant_leader ect.? They've made many appeals since they intend to scam and then come back to the server...
I don't recall thatkidarshi enough to speak on that point, apart from the fact he showed he had a disregard for the rules/consequences - where the suggestion wouldn't have discouraged him. As for Giant, he knew exactly what lines he was on with his most recent situation - if he was willing to risk another Perma what makes you think he would've cared about an extra 10%?
