1. You are still wrong, in order to get any crowns out of the interest you need at least 10,000 Crowns to get just 3 crowns with interest. It is a video game, there is magical money everywhere. The only thing in the game that can cost you actual cash was if you were to buy CE from the shop.

2. It is an idea, I don't see you coming up with anything, you are probably just a player who looks out just for himself, my ideas benefit everyone and ease the pain of CE a little.

3. I never said a bank for your inventory but that does not sound like a bad idea either. A little organization never hurt any game.

4. It is all to make the game more fun, what is wrong with making it more fun and interactive, it is not real life.

Well just forget about the loans then, from what I have seen people quite because the game runs to slow to keep going. Slow as in you only get 100 ME a day. It is quite easy to earn just enough to your tier 2 equipment, even I am starting to have trouble getting tier 3. and unless you have 10,000,000 Crowns in the bank with a .03% interest is 3,000 , then you really aren't going to get much. Plus, you would not automatically generate the cash, you would have to log on daily (every 24 hours) to claim it. Relying on a bank for income is completely slow, I earn money faster each day selling all the equipment I make for Auction House (15,000 every 2 days). A bank is just a slow way to get a little extra for jumping online each day. I myself am a veteran player and struggle to maintain crowns and CE. There is really no way to exploit a bank that you have to log in to access, people who usually log on play or make equipment every time they get on.

The loan part I gave little thought to, so it would really not bother me the slightest if it was not applied. Like I said the game is slow playing, but the bank is a brilliant idea. The way I see it people use real banks on a daily bases, and every month people get a (.02-.03)% interest a month not much but it makes people happier that something rolls in by holding money someplace secure. The same thing will happen in the game, why would anyone be angry if someone is earning 10 crowns a day just by logging in. I hardly see how it helping veteran players to much, veteran players still have a huge problem with CE and making equipment for ourselves still puts a damper on energy. The bank was pretty much the only thing I put thought in. And if they put in a equipment storage that is like a bonus. My idea is just a ridiculous as the grimilins they put in the bazaar to modify equipment, the bank is something people will see as a positive once it is applied.

@Monkeyman135: Prices for NPC products will always remain the same. I still fail to see how, the economy of the game will crash if someone earns 3 crowns by having 10,000 crowns in a bank. And why would you have a problem with people stuffing there stuff in a bank, it is not like people are going to drop it so you can pick it up, what people decide to do with there equipment is up to them.

@Quizzical: Just forget the loans then. You made a good point about people quitting like that.

@ Glaice1982 Then there is no point in a bank, the interest is so low, you need to have a good share of money before you get anything big. It basically mimics a real bank. 10,000 isn't much but, the interest then is little itself, for all those who haven't taken any calculus, statistics, and or business classes would not understand how fair the interest is. You make it seem as people who have worked hard to get as much do not deserve a little more on the side. And being a bad spender, this can help you in real life prioritize what really matters and the benefits of holding off. It is simple strategy, it is not as if I am asking for a stock market, then we all would be in trouble.

I agreed with you on the storage, I hate it when I drop my boxes to look for stuff and I have to keep scrolling to find it. It is small stuff that makes people happy. I would like someplace to store my stuff, all the drop tabs, it just fills the right side of the screen.

Yeah but this is not about storage, this is about a bank. And I have even figured even a .3% interest is not a bad idea either. You figure how much can you get with 30 crowns or in fact 3 crowns depending on how much is in the bank. Like I said you can't make a living off of interest from the bank, so there should be no real objections. And if anyone thinks this start a crazy price change in AH it shouldn't, prices for AH are determined by a few principles Rarity, Amount of CE and Crowns used to make item, how much paid for the item. Stability should stay constant, CE will increase like it has since the gremlins were introduced ( when they came it was 4,000 for CE, now it is 5,300). CE is a bidding war, and unless people try to stop outbidding each other there is no way the price of CE will go down. The bank is a stable concept as long as you keep money in it.

@monkryman135: You would be jealous over someone making 300 cr for holding on to money in a bank. Right now CE is 6K, it would take 20 days of that to get 100 CE. 300 Crowns is probably enough to buy some common mats in the AH. And running say 10 floors in the clockworks usually yeilds around maybe 7,000 cr if you go from floor 1 to 13. Your argument is still invalid, the current rate in which CE is increasing I would say it will hit 6.5K for 100 in about 1 week. Plus to get another 100,000 in the bank that is a total of 14 days 2 weeks of running just to up another 300. Now are saying people who work hard to earn money don't deserve any sort of reward for working hard? Are you saying that people who can hold on to there money and invest it for further use do not deserve anything else? From what you are complaining about is the fact people who would work hard to earn "FAKE" money don't deserve anything for doing just that. Also the fact that this game is unique and is not suppose to mimic any other game why bring up other MMO, it also seems you are looking for an experience similar to other games found over the web. I see things in a capitalistic fashion where the person working hard gets a reward at the end of the day for doing just that. Tell me, would any other game offer such an opportunity?

*I also forgot the UV for an item that also affects price.

How are you saying people aren't working hard to earn the crowns one way or another, one way or another they had to do something to get them, whither by selling the equipment they make, the materials they get, depositing the minerals they mined, selling the CE they bought with real money, going down into the clockworks and cleaning the clocks of the monsters there. The equipment is still earned, you have not exactly told me what this hurts. The idea of people getting something for time each day really seems to bother you a lot. You are acting as if the bank will give them equipment, equipment is still earned as usual, to level up equipment you have to go through the clockworks still, which costs energy, either way you are spending what you have to get further ahead. I thought of every aspect of the game, I still can go on with this. It is not profitable not to go in the clockworks. The bank will still force you to go in clockworks if you want to further your investment. No matter how you look at it people will progress, and some will get rich because they are wise, others can relay on it for some support. From what you are implying that people will get something during their off time coming back and there is a little something for them to move on. What exactly is your beef with this capitalistic idea? You have no bases to support your argument other than the fact someone is getting something for coming online when they have the spare time.

No capitalism is exactly the issue, even though you deny it. Crowns is a fake currency that exist in a matter of (x) in an equation, and you are wrong about it being a death sentence, it helps stimulate a economy that looses players due to an economy that requires vast amount of time and effort to built those advanced weapons. No matter how you look at it this would force people CE in a game where CE is either bought through actual money or through the market. Those who have the means can use it will, the prices for CE are always going up and down. There is an attraction that draws people into a system that allows more commerce and the ability to make more when you put more effort into making it possible. It seems you fear what may change, in a game that is new and requires change to keep the player playing and paying and to attract the attention of just spectators. It can even possibly be a life lesson on how hard work can benefit yourself and enforce a good habit of holding off and earning more for a better tomorrow. And anyone who would log onto a game to get the smallest amount of money either is weak willed or has nothing better to do. And the bases for the argument of it making you go into the clockworks it that higher end weapons require levels to be upgraded, and if someone relies on a bank will never get anywhere within a game that has you improve to further improve yourself. The game cannot be won without work, and for anyone to actually get on the game and just never go into clockworks should never have even started. You have not provided a good enough excuse for why the system will crumble under any such circumstances, and if it does get imp implemented and becomes a success the argument imposed would indeed be falsified. If any such system were to be made and it does hurt the economy in the way you think it may OOO only need to remove it like it has with other things, creatures, and misc things that are found throughout the forum.

Thank you, from what I have seen you disagree with any ideas in the suggestion thread. These threads are used to help make the game more fun and for people to express what they think can help make the game better, it doesn't need someone who thinks he know the economy.