Moghouse/Retainer Interest System

[Asiaine]

Interest is paid on money because the person who has your money is using it for something else (usually to make even more money). So if they pay you 1% interest, they need to be making 2% interest somewhere else.

Not sure how this would work, as there is no mechanic in place where 'The Bank' can make 2% due to your deposit. No one really needs to borrow (and those who do are properly not safe to lend to). And there are no other investment opportunities for 'The Bank'. It would end up having to shift into a very large free market economic model (with bonds, securities, term deposits, etc.). Not sure that is the route that is intended for this world ^.^;

Fortunately there is an alternative! Invest that gil into items that you think will go up in value then sell when it does! Or, just spend it as Gil is plentiful and has no real value ^.^;

[Fear]

Although it sounds like a nice idea I don't think it would work.

Too many people (and RMT's) will have 100+ mil stored and earn a fortune from it and it will just cause problems.

They need to put in some gil sinks really to start draining money out of the economy

[SuzakuCMX]

Ok here's a skill for you.

Coin Counter -> Throws 1 million gil all around the battlefield. Anything hit takes 50% of its current life in damage.

Gil sink and it's fun.

Or we could have a mini-gami where you throw 100,000 gil coins at a target. If you win, you lose 100,000 gil. If you lose, you lose 100,000 gil.

Gil sinks, yeah?

Also interest is dumb. Gil is easy to come by if you actually want it. There's already too much gil in the system.

[Asiaine]

I fear there will be gil sinks with several new 'structures' comming up:
Monthly fee for Mog House
Monthly fee for Private Company Building
Monthly fee for running Private Company (licenses, certain features, etc?)
Monthly fee for Garden?

[Fear]

It would be nice in Version 2 (ARR) if they included content simiar to that in FFXI such as Dynamis, Einijar (idk how the hell to spell it), or BCNM type battles which require you to pay gil for a key-item.

at around 250k - 500k a pop this would drain alot of money out.

[Viritess]

A system where money could be lent to other players is not a bad idea if they would have to hand over gear as security deposit. Short of that, why does anyone keep money with retainer at all?

So i don't spend it ><; Money burns holes in my pockets.