Market Discussions

We'll you missed my nuanced points about Credit profile being paramount to all loans in the Real World including most fully colateralized loans. (even with collateral it is a rare lender than makes a collatized loan indifferent to the posiblity of default, and that possiblity is largely trust based, trust being largely derived from past behaviour of an entity)

long and short

Divide between People and Characters.

- fractals of time of lifespan of active play compared to lifespan of human behaviour necessary to get a firmer fix on trust

- disposablity and unaccountabilty of both chracters and players.. characters can be transferred, have no extended families for whom bad behaviour would taint (if you don't pay your rent in a small commuinty your mother and brothers are tainted somewhat by you being a deadbeat)

---- players are "disposable in that they can always go play another game and ditch their reputation here, even if you knew their various alts and that they wouldn't want to sell their characters.

Legal.. any legal system would take nearly the same time and care it does in real life yet be arbitrating assetts often of such small amounts that they'd never even come close to paying just the filing fee's

--- even if you got around the trust diminishing aspects of disposablity, the idea of a wel run legal system to arbitrate the complications of what constitues a default sufficient to claim collateral is unlikely to be taken on with sufficient vigor out of a "fun" motivation in a rp environment.