Loan Shark
Forums › Suggestions & Feedback › Loan Shark-
Loot Name: Loan Shark
Rarity: Very Rare
Ability: Used on a selected player to take 50% their money on hand but will have to pay double back.Advantages: Quick cash increase. Can be helpful in wars when needing a quick boost.
Disadvantages: Have to pay back double of what you borrowed. Can benefit the player you took from too.
Example: Player A loots the loan shark. Player B has 200 mil on hand. Player A uses loot and steals 100 mil from Player B. Player B then has to pay back 200 mil over a set amount of time. Meaning Player A benefitted from the quick cash boost. But Player B ended getting 300 mil by the end of the deal.
Extra Details: At first this sounds extremely over powered if it was to be used on a big mobster like cupcake for example. Last I checked he had 1 trillion? So using it on him would give you 500 billion. Touché, that's A LOT of money and is unfair in a way. But you now have to pay back 1 trillion to cupcake leading it to be a very unwise choice to use in such a grand scale.
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Details can be changed or it can be completely erased if this is another rubbish idea of mine xD
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What if player A resets?
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The money will still be repaid?
I actually don't know Vadan... Do you have any idea in mind? -
What happens if player A never makes enough to repay?
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I suppose it could go at 70% of net profit is took away from Player A to go towards Player B.
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I could see people using mules to use this in a war so that player B will never see their money back.
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Superyan wrote:
Possibly the don covers the debt to player B if player A resets.The money will still be repaid?
I actually don't know Vadan... Do you have any idea in mind?Maybe a set of repayment periods say 2 weeks, 4 weeks, 12 weeks. After that point player A's assets i.e. weapons and turf are sold to cover the debt. Or maybe the don can repay the debt for x amount dp.
I'm not sure, there's definitely scope for mule exploitation though.
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I think 50% is a bit much. As I said in another post, determine the loan and interest value based on players. Maybe 25% interest on the amount taken, so 100m would be 125m repayment.
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Even better, the Loan Shark demands collateral. Get cash from the bank (shark) up to a % of your worth. Collateral is half your armor and def weapons. Two weeks to pay it back so fight your ass off to get money. If you reset, you made a bad business decision. If you dont have enough armor and weapons to cover the collateral, Loan Shark ERs you for walking in his store. If you cant pay it back, the Don helps the shark keep collateral and obviously they split your remaining cash. Basically you would want to visit the loan shark before or during a V. And you can visit him only once every four weeks.
Thoughts?
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Example, i have 35million. I pissed off the wrong crowd and now they are trashing my turf. I cant pay my mob. I visit the shark for a huge cash influx in exchange lowered defence and maybe a slight attack increase. I use the money to rebuild lost turf and regain income. Then i act like the junkie and mugg people to pay back the shark and regain my defense.
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This is an idea and I have mixed feelings on it. If it could be made fair then it could be good but it'd be really hard to do that.
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Touché guys.
I'm liking the improvements! -
Vlad, are casinos fair? The more you go the more the house wins.
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I don't like the idea of stealing it from another player.
It would be a major issue with mules. People could just create a mule account, let it accrue money, use the loot to take its money, & then reset the mule. Then they could start the process over again.
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Mystery wrote:
I know exactly what you mean. However, if loan amounts and interest are based on both users, using a mule may not be feasible, because they are too small to offer a decent amount of money. Who's gonna mob their mule to 5k with I dunno 10m income, save it for 2 months then do what you said?I don't like the idea of stealing it from another player.
It would be a major issue with mules. People could just create a mule account, let it accrue money, use the loot to take its money, & then reset the mule. Then they could start the process over again.
I think we've become so fixated with the mules issue that it blocks out potential ideas. We have to find a solution in which mules that exist can not take advantage.
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And also mys, looking at what suspected players use suspected mules, they're not short of cash flow. If anything, after the low inf exploit was closed the majority of us seasoned players have enough cash to rebuild entire cities.
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Why would they bother mobbing their mule? The mule would only exist to accrue money.
The muler I'm hunting now has 5 accounts that I know of. None of them have much money. He basically just caps turf from them. Say he reset one. He could build turf & use it to accrue money. Once he hit level 30, he could stop leveling up. If he only built a few turf at a time, it would be extremely hard for anyone else to cap it.
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I'm also strongly opposed to stealing money from anyone. If you want the loan shark idea, then the money should come from The Don.
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Mystery wrote:
But that's nothing to do with a loan shark. You said it yourself they mainly exist to feed turf. And you can only loan out what you have saved, so I really don't see how a mule would be a problem in this scenario. Your scenario is different.Why would they bother mobbing their mule? The mule would only exist to accrue money.
The muler I'm hunting now has 5 accounts that I know of. None of them have much money. He basically just caps turf from them. Say he reset one. He could build turf & use it to accrue money. Once he hit level 30, he could stop leveling up. If he only built a few turf at a time, it would be extremely hard for anyone else to cap it.
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Mystery wrote:
And you're not stealing money. A loan shark gives an illegal loan on high interest. That's te principal idea. Nobody steals anything, both parties have to agree to repayment terms.I'm also strongly opposed to stealing money from anyone. If you want the loan shark idea, then the money should come from The Don.
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Darth Vadan™ wrote:
I know what a loan shark does. In the OP's first post he said that Player A "steals 100 mil from Player B." That's why I said what I did about stealing. If he meant loaning, then that example was confusing, lol.Mystery wrote:
And you're not stealing money. A loan shark gives an illegal loan on high interest. That's te principal idea. Nobody steals anything, both parties have to agree to repayment terms.I'm also strongly opposed to stealing money from anyone. If you want the loan shark idea, then the money should come from The Don.
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This may be a bad idea, but maybe the player B needs to give their permission instead of just waking up to half cash. Player 1 sends a certain 'invite' to player B and It'd be player b's call to say yes or no, being whether they trust the guy the give them back the money eventually with interest, or if the amount isnt substantial they would at least have a say. Possibly player A and B would have a time to fix their own price. Player A says maybe ' can i loan shark 15 million from you' B say 'how about 10mil' A '12mil?' B 'deal' then it happens
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What If someone used it on cupcake
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👻Gθςτγ👻 wrote:
Well with my idea i just posted. Cupcake would have the opprotunity to either accept or decline. This could kind be like an vendetta invite 'would you like to participate in a loan shark with me?' soo he could say yes or no then cime up with a price or something wi his fellow loan shark participant. And plus he'll be getting his money back eventually. If the player resets. The don can reimburse him, probably without interest though since its from the donWhat If someone used it on cupcake
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Nah, not from other players. That will mess the game up. You can only borrow from the loan shark who is actually the Don.
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Iceberg_Slim wrote:
Why not? I have 36b doing nothing. Others have 3 figure sums. What's gonna mess up?Nah, not from other players. That will mess the game up. You can only borrow from the loan shark who is actually the Don.
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Mystery wrote:
Ok I thought u meant on my suggestions alone lolDarth Vadan™ wrote:
I know what a loan shark does. In the OP's first post he said that Player A "steals 100 mil from Player B." That's why I said what I did about stealing. If he meant loaning, then that example was confusing, lol.Mystery wrote:
And you're not stealing money. A loan shark gives an illegal loan on high interest. That's te principal idea. Nobody steals anything, both parties have to agree to repayment terms.I'm also strongly opposed to stealing money from anyone. If you want the loan shark idea, then the money should come from The Don.
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👻Gθςτγ👻 wrote:
I actually used cupcake as an example if you read. Basically taking 500 billion from cupcake would make you pay back 1 trillion. Leaving cupcake with 500 billion profit.What If someone used it on cupcake
But yeah I like hydra's idea of you having to accept first. That would be fairer.
And mystery, the problem is we stop so many ideas from taking place because of mules, it like a obsession. But say a mule get 100 million. You use the loan shark and get 50 million. No matter what you will have to pay that 50 million back. Even with the adjustable interest idea, I don't think it should go below paying back 100%. If the player resets, you have to pay to the don. Meaning you WILL pay back that money.
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There's so many mistakes in tenses on that post. Sorry.
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