Square Enix: The Only Officially-Sanctioned Bank of Final Fantasy XI Online

[Billnes]

<<DELETED BY AUTHOR>>

[bungiefanNA]

Why would they want to increase the gil in the economy this way? What is to stop a quitting person from taking out as big a loan as they can on their character, giving the money away to their LS, and deleting their character? This is too complex of a feature for this late in the game, with the final update due a few weeks from now, and servers no purpose. NPC fees and pricing are set to remove money from the economy to slow down how fast we get it. That's what AH fees, Bazaar taxes, teleportation fees, and NPC shops are for. Banking is an unnecessary thing in a game like this. We don't need this level of reality in a fantasy game.

[Alhanelem]

Such a long post for something that's completely unnecessary. I certainly hope the post was intended as humor....

I hope you realize what a terrible idea it would be to be doing just about anything other than idling in this game and get locked into an unskippable cutscene. Imagine if that happened while you were fighting a big NM or something.... Nobody would touch this "bank" with a 10 foot pole for the potential disruption it would cause.

[Alhanelem]

Finer details aside, there just isn't much value in being able to borrow gil from an ingame system. The main things in this game that would cause a player to spend a lot can't be completed quickly and that's by design. Even if you had 50 million gil to spend to help finish a relic or something, it is unlikely you'd be able to buy it outright, plus there are built in waiting times in the quest anyway. Because these big ticket items must be acquired gradually there's no sense in taking out a big loan and paying it back gradually.

I felt like I should try to write a little more constructively. I hope you find this a more helpful response.