A bank for extra gold strorage

Everyone knows a lot of players after a while:

1. Use the market for Storage;
   
2. And now with guild vaults, mail themselves contract that are not collected until the resources (mostly gold) are needed
   
3. This is a lot of micromanagement that is not enjoyable.
   

Suggestion:

1. A guild can have a bank - with unlimited deposits by each member;
   
2. Bank deposits are protected;
   

We still need warehouses, which are needed to control spending on buildings, research, and market bidding (these will still only happen from the warehouse).

The bank is in addition, for large storage of money.

Additional ideas:

• The guild make limited loans to at low interest rates;
  
• Payment is guaranteed; as it collected from resource generation, even if the player is offline;
  
• Anyone indebted, may not buy or sell on the marketplace, or donate any items to the vault - until the loan is paid off;
  
• Anyone indebted is automatically assigned the title 'The Indebted' which cannot be removed; and disappears when the loan is paid off.
  

3 day poll

I'm not understanding the problem?

Just leave it all in the guild vault?
There's no limit as far as I know?

Joyce wrote:

This is a lot of micromanagement that is not enjoyable.

then recommends more management.

Erased by mistake.  

I'm totally opposed to the idea of loans. Helping out (new) people can very well be left to the light faction/the guilds. It has worked before, we don't hve to ''brand'' them a ''loaner''.
Remove the idea of loans, and it is a perfect idea. I will not vote until that feature is removed. Then I'll vote ''yes''.

XViper wrote:

I'm not understanding the problem?

Just leave it all in the guild vault?
There's no limit as far as I know?

The guild vault is for use by the Leader, Vice-Leader, Chancellors, and Treasurers for the benefit of the whole guild.

The bank is for each member's personal use. Only each member can deposit/withdraw into his or her account.

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Johntheright wrote:

I'm totally opposed to the idea of loans. Helping out (new) people can very well be left to the light faction/the guilds. It has worked before, we don't hve to ''brand'' them a ''loaner''.
Remove the idea of loans, and it is a perfect idea. I will not vote until that feature is removed. Then I'll vote ''yes''.

Thanks for the vote of semi-confidence -- I'll redo¹ this whole poll later, much simpler after we get more feedback.

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¹Joy wanders off to rethink her whole approach to making suggestions ...