Player Features and Ideas Discussion

As presented, it would allow transfer of SP between characters without using extractors/injectors. If I want to sell SP to someone, simply take a loan from them and default. CCP make a lot of money on extractors - I can't imagine they would implement any system that could bypass them regardless of penalty.

It seems to me that CCP's main goal with extractors/injectors was to create a Skillpoint sink. It's good for the health of the game, and the only previous sink was players quitting. I can see them implementing something that loses money on the face of it if it makes the game healthier and attracts players. A more exciting economy would bring an awful lot of players.

But anyway a system like this could avoid that exploit by making the Skillpoint seizure transaction more lossy than extractors/injectors. You can still offer a fake loan and have someone default, but at some point the inefficiency is so large that the value of the SP lost in the transaction is greater than the value of mPLEX you need to buy an extractor.

Such a thing would make it pretty risky for the creditor too - you don't get back to parity when someone defaults - and I think that's good.

That's also an interesting solution. Could be linked to something like kill rights. Then repossession after a default costs PLEX equivalent to extractors - which again adds a serious level of risk to being a banker.

I'm not sure what you mean. If you loan ISK to someone and they default, you can seize their SP, but the value of it will be less than if you just bought SP on the open market. Alternatively, the repossession might have a PLEX cost. Being a bank should carry significant risk =)



These things need to be worked out, but I don't see any huge problems. You could take out a second loan to satisfy the first (perhaps at penalty interest once you default) as long as you have enough SP to cover it. To avoid endless chains of loan consolidation, there might need to be some concept of credit score - damaged by being in debt long term.



There hasn't been any abuse/exploit brought up that can't be solved by tweaking the system, but finding them is what this thread is for. As to "not worth it," I think that's a matter of perspective. Some people love convoluted game mechanics, and so far I think the risks on both sides of the equation in this system are commensurate with the potential gain.

What universe are you living in? That's not been mentioned, and I agree it's a bad idea.

Nobody's going to make you use this system, don't use your disinterest to label it as bad. People want loans and derivatives. It comes up a lot, and this is the closest thing I've seen to a solution.

and people already get them you can find all sorts of threads for it in the market forum and there are several well known lenders



its already happening w/o this half backed idea

Because that risk is balanced against the fact that people won't want to default. Defaulting loses SP, and gains less ISK than one could get for just extracting it.

The risk exists on both sides, as an incentive for both parties to enter the deal in good faith. Under those conditions, people would loan ISK for the interest generated.

But we're not just talking about loans. The same system could be used to provide collateral on futures or options, which make commodity trading much more interesting.