Loaning credits idea

[LuckyOne]

Well I was more thinking about inRP scamming (naturally, with consent). I don't see anyone actually being toxic enough to just run away with someone's hard-earned pixel cash. Of course they should be sanctioned if they do.

This is actually a neat idea but it would require both parties to agree on the loan. It's beneficial that it would potentially reduce the need for resources devoted to handling scam reports. But if scamming is not a common issue there are things where dev time is better spent.

[Champ]

I actually think that the more streamlined option is no support for loans at all. Less staff overhead. If you want to loan someone money, it's at your own risk, entirely.

Risk isn't risk without risk. Hopefully people will treat it as such.

---

[Thyrzul]

I actually think that the more streamlined option is no support for loans at all. Less staff overhead. If you want to loan someone money, it's at your own risk, entirely.

Risk isn't risk without risk. Hopefully people will treat it as such.

Is that the opinion of a member, or a change in staff policy someone forgot to announce in staff colors?
(It's not like I can't read your member-like text formatting, just asking to be sure, you know, better safe than sorry.)

---

[Groshyr]

https://discoverygc.com/forums/showthrea...tid=160290

[Champ]

Promise I'll put staff stuff in staff colours.

This is just me and my player opinions.

---

[Grumblesaur]

I actually think that the more streamlined option is no support for loans at all. Less staff overhead. If you want to loan someone money, it's at your own risk, entirely.

Risk isn't risk without risk. Hopefully people will treat it as such.

Champ is right about this. It's just better not to hand out any more than you are afford to lose. Lend cash to people you trust. Trying to make a business out of it will only cause problems, when someday one of your clients gets hit by a bus.

---

A way a lone a last a loved a long the riverrun, past Eve and Adam's, from swerve of shore to bend of bay,
brings us by a commodius vicus of recirculation back to Howth Castle and Environs.

[Username removed]

delete my profile already

[Grumblesaur]

Wait what? I thought scamming people ingame was sanctionable.

If player A gives player B money, and player B never returns it, there's nothing to do. Player A sent the cash. Trying to prove that B was scamming is just as hard as trying to prove that A sent the cash by accident. Hard to sanction something like that. When it comes to transactions or faction assets, the burden lies largely on the players to be judicious with how they lend or share their resources, and also to be respectful and not steal accounts or ships. I think in some particularly egregious cases, this may have been handled with a rule 0.0, but I don't have any threads to cite in that regard.

In the case of scamming people in-character? Uncommon, but part of the game. Scamming people out of character? Hard to tell if it's a scam, a faction quibble, or if somebody's lying about something.

---

A way a lone a last a loved a long the riverrun, past Eve and Adam's, from swerve of shore to bend of bay,
brings us by a commodius vicus of recirculation back to Howth Castle and Environs.

[St.Denis]

I have learnt to only lend money if you are prepared to lose it.

Don't be swayed by promises of the other person being honest and that they will, on their honour, return the money.

Words are easy to say and honour not always forthcoming.

The last person I lent money to, never paid 1.1 billion out of the 2 billion I lent him.

So lending anything is at your own risk.

“Neither a borrower nor a lender be;
For loan oft loses both itself and friend.”

It means do not lend or borrow money from a friend, because if you do so, you will lose both your friend and your money. If you lend, he will avoid paying back, and if you borrow you will fall out of your savings, as you turn into a spendthrift, and face humiliation.

Wise words:
Fool me once, shame on you; fool me twice, shame on me
Once bitten, twice shy

---

'I would like to be half as clever as some people like to believe they are'
Life is full of disappointments, it is how we handle them that helps to define us, as a person

[Thyrzul]

Wait what? I thought scamming people ingame was sanctionable.

If player A gives player B money, and player B never returns it, there's nothing to do. Player A sent the cash. Trying to prove that B was scamming is just as hard as trying to prove that A sent the cash by accident. Hard to sanction something like that.

Ehh, not really. It's not that hard to screenshot visual evidence about the agreement, just like it's not that hard to screenshot visual evidence about the /givecash commands and their results (commonly used practice for transaction confirmation since like always). If you want to make sure there is plenty of publically visible evidence of the deal, you conduct it on the Marketplace. Furthermore, if you can do a search for the "scam" keyword in the sanction subforum, you can see a not too long list of matches of sanction and warning history, including even decade old sanctions and warnings related to scams and scam attempts.

To me it looks like scams aren't a too common, nor too rare occurrence to justify the existence of such anti-scam staff policies without adding too much extra work. That policy is also a guarantee/safety measure for loan providers dealing with unknown customers, such as starter players. Getting rid of that policy removes a scan deterrent and increases the risk of loans to unknown people, including newbies.

---