PacCity 4 - DO YOUR JOBS

[HellsHero]

One question.

Why are we allowing money to be given when the player has a loan out?

The player doing the loan could bypass this limitation by going to a friend who owns a store and sells some overpriced object. (Or just buy a ton of cheap things)

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[M]

It doesn't make sense to stop them from giving money while in debt, because then you would logically have to prevent them from paying for anything at all thus you get a loan which can only be spent on repaying that loan. Any prevention system will fall apart, so rather than prevention you should be relying on an admin team to actually deal with people who deliberately exploit the system. But god forbid admins have any power

[HellsHero]

Or you could include some super complex court system, no idea how that would work properly though...

[phydeoux]

The thing is, you can't depend or rely on people. Especially on the internet. No form of traditional court system will work; everyone is corruptible and there will always be people who simply don't give a damn. If you want to enforce something then you have to make the system do it.

If a player takes out a loan then they are obviously doing so to pay for something. I think when a player takes out the loan they must set up payment amount before getting the money. Every pay cycle money will be automatically taken from their check for the amount previously specified to pay the loan. Obviously $0 would not be an option, nor any amount higher than their current pay check when first taking out the loan.

Now of course this brings up the issue of what happens when a player takes out a loan and then loses their job and no longer has a paycheck. At this point the bank starts taking money from the player's bank account. If the player's account goes empty then the player is now in some deep stuff. They will have a negative balance, and if this get's too far then the bank would send a warrant for the player's arrest. When arrested the player will have to perform some sort of community service until they fully pay off the bank.

This is just an idea though, I don't know how well it would even work.

[Kalphiter]

You can't be arrested for debt

[phydeoux]

You can't be arrested for debt

No i know that, the bank should repo your stuff, but I don't know how that would work here.
Have a better idea for a sort of punishment to repay a debt to a bank?

[M]

If you take out a loan and you default on it, first money is taken from your bank account. If that doesn't cover the loan, next your industrial lots are repossessed at a base rate (lot price plus any equipment on site), then commercial lots (lot price plus half price of any sales cases and the price of any items), then residential lots (lot price plus price of personal spawns). If all that doesn't cover the loan, well, you shouldn't have been able to take it out in the first place, but if for whatever reason it doesn't, you should become an arrestible criminal with a charge of credit fraud.

After your loan is repaid in this way, all your lots should be put up for sale on the real estate with a 20% markup from their base price.

[phydeoux]

Also, if the player owns vehicles, those should probably be repossessed too.
A default should also definitely hurt the player's ability to take out loans as well.

[M]

Your maximum loan amount is $1,000 or your current net worth (whichever is higher). So if you start out with $100, no lots, no items, your net worth is $100, your maximum loan amount is $1,000. If you have a $1,000 lot with a $200 personal spawn and a garage containing a $2,500 vehicle, your net worth is $3,700 and your maximum loan amount is also $3,700.

When you take out a loan, you incur a debt of the loan amount plus 10% lifetime interest (no compounding). So a loan of $1,000 incurs a debt of $1,100. You cannot take out a loan while in debt.

At the end of each tick, the amount of taxable income you made during that tick (ie, all income that wasn't given to you directly by another player - item sales, bank deposits, resources sold, etc.) is totalled and 25% of that automatically goes towards paying off your loan. You can also go and manually pay from the appropriate facility, or adjust the amount (25% to 75%).

If over a period of ten ticks you pay less than 2% of the loan five times, you are considered to have defaulted, and your property will be repossessed to cover the remaining debt, beginning with banked money, then lots etc. as detailed above.


So you take out a loan of $1,000, incurring a debt of $1,100. You must pay off 2% of this loan, or $22 per tick, to remain above the default threshold. If you don't pay enough one tick, that's a black mark, and if you have five black marks in ten ticks you get repo'd. If your income per tick is a static $48 wage (after tax, in this example your taxable income is $60 and the tax rate is 20%), you will pay $12 per tick automatically - incurring a black mark each tick and defaulting unless you adjust the rate of pay to 46% or above (help i suck at math), or pay manually each tick. So you'll be living pretty frugally until that loan's paid off.

???????

[Blocki]

^ is way too complicated, the average blockhead doesn't understand loan/debt systems

[M]

I'd love to see ideas for a simpler system that isn't abusable, since nobody seems too keen on the idea of "competent admins"

[phydeoux]

M's suggestion really isn't that hard to understand, and it's pretty good. The youngest of blockheads will understand it easily, if properly implemented in game with a good UI. If that isn't enough then there could always be a Help button that further explains it in an even simpler fashion.

[Ipquarx]

I think what we've all learned here is that a decent cityrp is not feasible.

[Pacnet2012³]

Not using all ideas, only ones in the OP and  a bit.

[Atom821]

Police weapons

In most cityRPGs police either spawn with weapons... or they don't. This can be very bad for police. If they get guns they usually are able to harm civilians and get jailed, or if police dont have weapons criminals sure will. We dont want police to not be able to harm civilians, but we also dont want them to be unprepared in the time of a criminal killing spree.

The solution

Police should still have their baton and/or cuff that they receive whenever they spawn, but whenever a killer is on the loose the police armory will get upgrade, and these weapons will be located at the police base(s).

Weapons

The baton and/or cuffs

Simple spawn weapons that cant harm civilians and will only be useful for jailing petty thieves and pickpockets

The taser

When a criminal starts to get out of hand tasers will be available at the armory. When you shoot a criminal with it they either stop moving or tumble

Long ranged taser

Sh** just got serious and this criminal is getting out of hand... time to bust out this:



Police would be able to set a ambush as they usually do and stun the criminal and jail him easily. Or the police could break into his home in force and stun him while he is hiding. Either way the job gets don't and the criminal is in jail.

Lethal weapons

Criminals are blowing up police property, killing civilians hundreds of times over or they just killed the president. Police vehicals and armor get upgraded, the criminal get a huge waypoint, AND they finally get lethal weapons. At this point a criminal would have nothing to loose (maybe add a system so that when the crim is killed he is reset). Also a surrender mechanic should be implemented so the criminal doesn't have to die.

The crim is in jail! 

Please, no turning in ore for money after the criminal is released. Make it so he can shorten his term or reduce the price for his bail. Ive seen criminals make up to 2k in jail from not even being online, and by that time they usually have enough cash to buy another gun and kill some more