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Three questions for you.
How do you see this feature being written so it doesn't limit, compete or flat our remove the ability for users to do it?
What math would you use to figure out the amount someone can borrow, the length of the loan and the interest they pay? Any idea of the curve of character age, work put in to figure out earnings potential? How do you foresee calculating risk assessment with their account history, current overall stability of game, how well like their district/city/cl is?
Do we block the transfer feature? Do we block gambling? Do we block the hitlist? Do we block the retire feature? Do we block the purchasing of credits? Do we block the sending of credits? Do they wear a DEBTOR tag in their profile?
How do you handle enforcement on a late or defaulted payment? If the person dies and comes back with the same name continuing the line? Different name altogether? Different master account? If the person has IRL issues and can't log back in for a few days? Defaults or late payment on accident versus intentionally?
In my human brain, I know that if Humpty asked to borrow 50 million, that he is good for it. But what about R-L_Stine 158 days ago when they were a tiny no-name gangster? Sure I know they are good for it, but I know that from reasons that can't easily be assessed without massive amounts of logic, data and code. On the other hand, I know that on a human level who is a stand-up guy and who isn't.
Billions of real life dollars is put into computer modeling to predict what someones future actions are based upon their past. I think this feature on the scope you are taking about is best suited for humans to do - unless we are talking about tiny (50k * Rank) loans - but then whats the point?
Also, your lend the bank money with no touchy for 30 days at 20% interest, thats an APY of 791.61%
A legacy family could easily put in 500m. Lets break down the math what a 791.61% APY does:
| Month | Interest | Total Interest | Balance |
| 0 | - | - | $500,000,000 |
| 1 | $100,000,000 | $100,000,000 | $600,000,000 |
| 2 | $120,000,000 | $220,000,000 | $720,000,000 |
| 3 | $144,000,000 | $364,000,000 | $864,000,000 |
| 4 | $172,800,000 | $536,800,000 | $1,036,800,000 |
| 5 | $207,360,000 | $744,160,000 | $1,244,160,000 |
| 6 | $248,832,000 | $992,992,000 | $1,492,992,000 |
| 7 | $298,598,400 | $1,291,590,400 | $1,791,590,400 |
| 8 | $358,318,080 | $1,649,908,480 | $2,149,908,480 |
| 9 | $429,981,696 | $2,079,890,176 | $2,579,890,176 |
| 10 | $515,978,035 | $2,595,868,211 | $3,095,868,211 |
| 11 | $619,173,642 | $3,215,041,853 | $3,715,041,853 |
| 12 | $743,008,371 | $3,958,050,224 | $4,458,050,224 |
| 13 | $891,610,045 | $4,849,660,269 | $5,349,660,269 |
| 14 | $1,069,932,054 | $5,919,592,323 | $6,419,592,323 |
| 15 | $1,283,918,465 | $7,203,510,787 | $7,703,510,787 |
| 16 | $1,540,702,157 | $8,744,212,945 | $9,244,212,945 |
| 17 | $1,848,842,589 | $10,593,055,534 | $11,093,055,534 |
| 18 | $2,218,611,107 | $12,811,666,640 | $13,311,666,640 |
| 19 | $2,662,333,328 | $15,473,999,969 | $15,973,999,969 |
| 20 | $3,194,799,994 | $18,668,799,962 | $19,168,799,962 |
| 21 | $3,833,759,992 | $22,502,559,955 | $23,002,559,955 |
| 22 | $4,600,511,991 | $27,103,071,946 | $27,603,071,946 |
| 23 | $5,520,614,389 | $32,623,686,335 | $33,123,686,335 |
| 24 | $6,624,737,267 | $39,248,423,602 | $39,748,423,602 |
| 25 | $7,949,684,720 | $47,198,108,322 | $47,698,108,322 |
| 26 | $9,539,621,664 | $56,737,729,986 | $57,237,729,986 |
| 27 | $11,447,545,997 | $68,185,275,984 | $68,685,275,984 |
| 28 | $13,737,055,197 | $81,922,331,180 | $82,422,331,180 |
| 29 | $16,484,466,236 | $98,406,797,417 | $98,906,797,417 |
| 30 | $19,781,359,483 | $118,188,156,900 | $118,688,156,900 |
| 31 | $23,737,631,380 | $141,925,788,280 | $142,425,788,280 |
| 32 | $28,485,157,656 | $170,410,945,936 | $170,910,945,936 |
| 33 | $34,182,189,187 | $204,593,135,123 | $205,093,135,123 |
| 34 | $41,018,627,025 | $245,611,762,148 | $246,111,762,148 |
| 35 | $49,222,352,430 | $294,834,114,577 | $295,334,114,577 |
| 36 | $59,066,822,915 | $353,900,937,493 | $354,400,937,493 |
| 37 | $70,880,187,499 | $424,781,124,991 | $425,281,124,991 |
| 38 | $85,056,224,998 | $509,837,349,989 | $510,337,349,989 |
| 39 | $102,067,469,998 | $611,904,819,987 | $612,404,819,987 |
| 40 | $122,480,963,997 | $734,385,783,985 | $734,885,783,985 |
| 41 | $146,977,156,797 | $881,362,940,781 | $881,862,940,781 |
| 42 | $176,372,588,156 | $1,057,735,528,938 | $1,058,235,528,938 |
| 43 | $211,647,105,788 | $1,269,382,634,725 | $1,269,882,634,725 |
| 44 | $253,976,526,945 | $1,523,359,161,670 | $1,523,859,161,670 |
| 45 | $304,771,832,334 | $1,828,130,994,004 | $1,828,630,994,004 |
| 46 | $365,726,198,801 | $2,193,857,192,805 | $2,194,357,192,805 |
| 47 | $438,871,438,561 | $2,632,728,631,366 | $2,633,228,631,366 |
| 48 | $526,645,726,273 | $3,159,374,357,640 | $3,159,874,357,640 |
| 49 | $631,974,871,528 | $3,791,349,229,168 | $3,791,849,229,168 |
| 50 | $758,369,845,834 | $4,549,719,075,001 | $4,550,219,075,001 |
| 51 | $910,043,815,000 | $5,459,762,890,001 | $5,460,262,890,001 |
| 52 | $1,092,052,578,000 | $6,551,815,468,002 | $6,552,315,468,002 |
| 53 | $1,310,463,093,600 | $7,862,278,561,602 | $7,862,778,561,602 |
| 54 | $1,572,555,712,320 | $9,434,834,273,922 | $9,435,334,273,922 |
| 55 | $1,887,066,854,784 | $11,321,901,128,707 | $11,322,401,128,707 |
| 56 | $2,264,480,225,741 | $13,586,381,354,448 | $13,586,881,354,448 |
| 57 | $2,717,376,270,890 | $16,303,757,625,338 | $16,304,257,625,338 |
| 58 | $3,260,851,525,068 | $19,564,609,150,405 | $19,565,109,150,405 |
| 59 | $3,913,021,830,081 | $23,477,630,980,486 | $23,478,130,980,486 |
| 60 | $4,695,626,196,097 | $28,173,257,176,583 | $28,173,757,176,583 |
| 61 | $5,634,751,435,317 | $33,808,008,611,900 | $33,808,508,611,900 |
| 62 | $6,761,701,722,380 | $40,569,710,334,280 | $40,570,210,334,280 |
| 63 | $8,114,042,066,856 | $48,683,752,401,136 | $48,684,252,401,136 |
| 64 | $9,736,850,480,227 | $58,420,602,881,363 | $58,421,102,881,363 |
| 65 | $11,684,220,576,273 | $70,104,823,457,636 | $70,105,323,457,636 |
| 66 | $14,021,064,691,527 | $84,125,888,149,163 | $84,126,388,149,163 |
| 67 | $16,825,277,629,833 | $100,951,165,778,995 | $100,951,665,778,995 |
| 68 | $20,190,333,155,799 | $121,141,498,934,794 | $121,141,998,934,794 |
| 69 | $24,228,399,786,959 | $145,369,898,721,753 | $145,370,398,721,753 |
| 70 | $29,074,079,744,351 | $174,443,978,466,104 | $174,444,478,466,104 |
| 71 | $34,888,895,693,221 | $209,332,874,159,325 | $209,333,374,159,325 |
| 72 | $41,866,674,831,865 | $251,199,548,991,190 | $251,200,048,991,190 |
| 73 | $50,240,009,798,238 | $301,439,558,789,429 | $301,440,058,789,429 |
| 74 | $60,288,011,757,886 | $361,727,570,547,314 | $361,728,070,547,314 |
| 75 | $72,345,614,109,463 | $434,073,184,656,777 | $434,073,684,656,777 |
| 76 | $86,814,736,931,356 | $520,887,921,588,133 | $520,888,421,588,133 |
| 77 | $104,177,684,317,626 | $625,065,605,905,760 | $625,066,105,905,760 |
| 78 | $125,013,221,181,151 | $750,078,827,086,912 | $750,079,327,086,912 |
| 79 | $150,015,865,417,382 | $900,094,692,504,294 | $900,095,192,504,294 |
| 80 | $180,019,038,500,858 | $1,080,113,731,005,150 | $1,080,114,231,005,150 |
| 81 | $216,022,846,201,030 | $1,296,136,577,206,180 | $1,296,137,077,206,180 |
| 82 | $259,227,415,441,236 | $1,555,363,992,647,420 | $1,555,364,492,647,420 |
| 83 | $311,072,898,529,484 | $1,866,436,891,176,900 | $1,866,437,391,176,900 |
| 84 | $373,287,478,235,381 | $2,239,724,369,412,280 | $2,239,724,869,412,280 |
| 85 | $447,944,973,882,457 | $2,687,669,343,294,740 | $2,687,669,843,294,740 |
| 86 | $537,533,968,658,948 | $3,225,203,311,953,690 | $3,225,203,811,953,690 |
| 87 | $645,040,762,390,738 | $3,870,244,074,344,430 | $3,870,244,574,344,430 |
| 88 | $774,048,914,868,885 | $4,644,292,989,213,310 | $4,644,293,489,213,310 |
| 89 | $928,858,697,842,663 | $5,573,151,687,055,970 | $5,573,152,187,055,970 |
| 90 | $1,114,630,437,411,190 | $6,687,782,124,467,170 | $6,687,782,624,467,170 |
| 91 | $1,337,556,524,893,430 | $8,025,338,649,360,610 | $8,025,339,149,360,610 |
| 92 | $1,605,067,829,872,120 | $9,630,406,479,232,730 | $9,630,406,979,232,730 |
| 93 | $1,926,081,395,846,540 | $11,556,487,875,079,200 | $11,556,488,375,079,200 |
| 94 | $2,311,297,675,015,850 | $13,867,785,550,095,100 | $13,867,786,050,095,100 |
| 95 | $2,773,557,210,019,020 | $16,641,342,760,114,100 | $16,641,343,260,114,100 |
| 96 | $3,328,268,652,022,830 | $19,969,611,412,136,900 | $19,969,611,912,136,900 |
| 97 | $3,993,922,382,427,390 | $23,963,533,794,564,300 | $23,963,534,294,564,300 |
| 98 | $4,792,706,858,912,870 | $28,756,240,653,477,200 | $28,756,241,153,477,200 |
| 99 | $5,751,248,230,695,450 | $34,507,488,884,172,700 | $34,507,489,384,172,700 |
| 100 | $6,901,497,876,834,540 | $41,408,986,761,007,200 | $41,408,987,261,007,200 |
| 101 | $8,281,797,452,201,450 | $49,690,784,213,208,700 | $49,690,784,713,208,700 |
| 102 | $9,938,156,942,641,740 | $59,628,941,155,850,400 | $59,628,941,655,850,400 |
| 103 | $11,925,788,331,170,000 | $71,554,729,487,020,500 | $71,554,729,987,020,500 |
| 104 | $14,310,945,997,404,100 | $85,865,675,484,424,600 | $85,865,675,984,424,600 |
| 105 | $17,173,135,196,884,900 | $103,038,810,681,309,000 | $103,038,811,181,309,000 |
| 106 | $20,607,762,236,261,900 | $123,646,572,917,571,000 | $123,646,573,417,571,000 |
| 107 | $24,729,314,683,514,300 | $148,375,887,601,085,000 | $148,375,888,101,085,000 |
| 108 | $29,675,177,620,217,100 | $178,051,065,221,302,000 | $178,051,065,721,302,000 |
| 109 | $35,610,213,144,260,500 | $213,661,278,365,563,000 | $213,661,278,865,563,000 |
| 110 | $42,732,255,773,112,700 | $256,393,534,138,676,000 | $256,393,534,638,676,000 |
| 111 | $51,278,706,927,735,200 | $307,672,241,066,411,000 | $307,672,241,566,411,000 |
| 112 | $61,534,448,313,282,200 | $369,206,689,379,693,000 | $369,206,689,879,693,000 |
| 113 | $73,841,337,975,938,700 | $443,048,027,355,632,000 | $443,048,027,855,632,000 |
| 114 | $88,609,605,571,126,500 | $531,657,632,926,759,000 | $531,657,633,426,759,000 |
| 115 | $106,331,526,685,351,000 | $637,989,159,612,110,000 | $637,989,160,112,110,000 |
| 116 | $127,597,832,022,422,000 | $765,586,991,634,532,000 | $765,586,992,134,532,000 |
| 117 | $153,117,398,426,906,000 | $918,704,390,061,439,000 | $918,704,390,561,439,000 |
| 118 | $183,740,878,112,287,000 | $1,102,445,268,173,720,000 | $1,102,445,268,673,720,000 |
| 119 | $220,489,053,734,745,000 | $1,322,934,321,908,470,000 | $1,322,934,322,408,470,000 |
| 120 | $264,586,864,481,694,000 | $1,587,521,186,390,160,000 | $1,587,521,186,890,160,000 |
| 121 | $317,504,237,378,033,000 | $1,905,025,423,768,200,000 | $1,905,025,424,268,200,000 |
| 122 | $381,005,084,853,640,000 | $2,286,030,508,621,840,000 | $2,286,030,509,121,840,000 |
| 123 | $457,206,101,824,368,000 | $2,743,236,610,446,200,000 | $2,743,236,610,946,200,000 |
| 124 | $548,647,322,189,241,000 | $3,291,883,932,635,450,000 | $3,291,883,933,135,450,000 |
| 125 | $658,376,786,627,090,000 | $3,950,260,719,262,540,000 | $3,950,260,719,762,540,000 |
| 126 | $790,052,143,952,508,000 | $4,740,312,863,215,040,000 | $4,740,312,863,715,050,000 |
| 127 | $948,062,572,743,010,000 | $5,688,375,435,958,060,000 | $5,688,375,436,458,060,000 |
| 128 | $1,137,675,087,291,610,000 | $6,826,050,523,249,670,000 | $6,826,050,523,749,670,000 |
| 129 | $1,365,210,104,749,930,000 | $8,191,260,627,999,600,000 | $8,191,260,628,499,600,000 |
| 130 | $1,638,252,125,699,920,000 | $9,829,512,753,699,520,000 | $9,829,512,754,199,520,000 |
| 131 | $1,965,902,550,839,900,000 | $11,795,415,304,539,400,000 | $11,795,415,305,039,400,000 |
| 132 | $2,359,083,061,007,880,000 | $14,154,498,365,547,300,000 | $14,154,498,366,047,300,000 |
| 133 | $2,830,899,673,209,460,000 | $16,985,398,038,756,700,000 | $16,985,398,039,256,700,000 |
| 134 | $3,397,079,607,851,350,000 | $20,382,477,646,608,100,000 | $20,382,477,647,108,100,000 |
| 135 | $4,076,495,529,421,620,000 | $24,458,973,176,029,700,000 | $24,458,973,176,529,700,000 |
| 136 | $4,891,794,635,305,950,000 | $29,350,767,811,335,700,000 | $29,350,767,811,835,700,000 |
| 137 | $5,870,153,562,367,140,000 | $35,220,921,373,702,800,000 | $35,220,921,374,202,800,000 |
| 138 | $7,044,184,274,840,570,000 | $42,265,105,648,543,400,000 | $42,265,105,649,043,400,000 |
| 139 | $8,453,021,129,808,680,000 | $50,718,126,778,352,100,000 | $50,718,126,778,852,100,000 |
| 140 | $10,143,625,355,770,400,000 | $60,861,752,134,122,500,000 | $60,861,752,134,622,500,000 |
| 141 | $12,172,350,426,924,500,000 | $73,034,102,561,047,000,000 | $73,034,102,561,547,000,000 |
| 142 | $14,606,820,512,309,400,000 | $87,640,923,073,356,400,000 | $87,640,923,073,856,500,000 |
| 143 | $17,528,184,614,771,200,000 | $105,169,107,688,127,000,000 | $105,169,107,688,627,000,000 |
| 144 | $21,033,821,537,725,500,000 | $126,202,929,225,853,000,000 | $126,202,929,226,353,000,000 |
| 145 | $25,240,585,845,270,600,000 | $151,443,515,071,124,000,000 | $151,443,515,071,624,000,000 |
| 146 | $30,288,703,014,324,800,000 | $181,732,218,085,448,000,000 | $181,732,218,085,948,000,000 |
| 147 | $36,346,443,617,189,700,000 | $218,078,661,702,638,000,000 | $218,078,661,703,138,000,000 |
| 148 | $43,615,732,340,627,700,000 | $261,694,394,043,266,000,000 | $261,694,394,043,766,000,000 |
| 149 | $52,338,878,808,753,200,000 | $314,033,272,852,019,000,000 | $314,033,272,852,519,000,000 |
| 150 | $62,806,654,570,503,800,000 | $376,839,927,422,523,000,000 | $376,839,927,423,023,000,000 |
| 151 | $75,367,985,484,604,600,000 | $452,207,912,907,128,000,000 | $452,207,912,907,628,000,000 |
| 152 | $90,441,582,581,525,600,000 | $542,649,495,488,653,000,000 | $542,649,495,489,153,000,000 |
| 153 | $108,529,899,097,830,000,000 | $651,179,394,586,484,000,000 | $651,179,394,586,984,000,000 |
| 154 | $130,235,878,917,396,000,000 | $781,415,273,503,881,000,000 | $781,415,273,504,381,000,000 |
| 155 | $156,283,054,700,876,000,000 | $937,698,328,204,757,000,000 | $937,698,328,205,257,000,000 |
| 156 | $187,539,665,641,051,000,000 | $1,125,237,993,845,800,000,000 | $1,125,237,993,846,300,000,000 |
| 157 | $225,047,598,769,261,000,000 | $1,350,285,592,615,070,000,000 | $1,350,285,592,615,570,000,000 |
| 158 | $270,057,118,523,114,000,000 | $1,620,342,711,138,180,000,000 | $1,620,342,711,138,680,000,000 |
| 159 | $324,068,542,227,737,000,000 | $1,944,411,253,365,920,000,000 | $1,944,411,253,366,420,000,000 |
| 160 | $388,882,250,673,284,000,000 | $2,333,293,504,039,200,000,000 | $2,333,293,504,039,700,000,000 |
| 161 | $466,658,700,807,941,000,000 | $2,799,952,204,847,140,000,000 | $2,799,952,204,847,640,000,000 |
| 162 | $559,990,440,969,529,000,000 | $3,359,942,645,816,670,000,000 | $3,359,942,645,817,170,000,000 |
| 163 | $671,988,529,163,435,000,000 | $4,031,931,174,980,110,000,000 | $4,031,931,174,980,610,000,000 |
| 164 | $806,386,234,996,122,000,000 | $4,838,317,409,976,230,000,000 | $4,838,317,409,976,730,000,000 |
| 165 | $967,663,481,995,346,000,000 | $5,805,980,891,971,580,000,000 | $5,805,980,891,972,080,000,000 |
| 166 | $1,161,196,178,394,410,000,000 | $6,967,177,070,365,990,000,000 | $6,967,177,070,366,490,000,000 |
| 167 | $1,393,435,414,073,290,000,000 | $8,360,612,484,439,290,000,000 | $8,360,612,484,439,790,000,000 |
| 168 | $1,672,122,496,887,950,000,000 | $10,032,734,981,327,200,000,000 | $10,032,734,981,327,700,000,000 |
| 169 | $2,006,546,996,265,550,000,000 | $12,039,281,977,592,800,000,000 | $12,039,281,977,593,300,000,000 |
| 170 | $2,407,856,395,518,660,000,000 | $14,447,138,373,111,400,000,000 | $14,447,138,373,111,900,000,000 |
| 171 | $2,889,427,674,622,390,000,000 | $17,336,566,047,733,800,000,000 | $17,336,566,047,734,300,000,000 |
| 172 | $3,467,313,209,546,870,000,000 | $20,803,879,257,280,700,000,000 | $20,803,879,257,281,200,000,000 |
| 173 | $4,160,775,851,456,240,000,000 | $24,964,655,108,736,900,000,000 | $24,964,655,108,737,400,000,000 |
| 174 | $4,992,931,021,747,490,000,000 | $29,957,586,130,484,400,000,000 | $29,957,586,130,484,900,000,000 |
| 175 | $5,991,517,226,096,990,000,000 | $35,949,103,356,581,400,000,000 | $35,949,103,356,581,900,000,000 |
| 176 | $7,189,820,671,316,390,000,000 | $43,138,924,027,897,800,000,000 | $43,138,924,027,898,300,000,000 |
| 177 | $8,627,784,805,579,670,000,000 | $51,766,708,833,477,500,000,000 | $51,766,708,833,478,000,000,000 |
| 178 | $10,353,341,766,695,600,000,000 | $62,120,050,600,173,100,000,000 | $62,120,050,600,173,600,000,000 |
| 179 | $12,424,010,120,034,700,000,000 | $74,544,060,720,207,800,000,000 | $74,544,060,720,208,300,000,000 |
| 180 | $14,908,812,144,041,600,000,000 | $89,452,872,864,249,500,000,000 | $89,452,872,864,250,000,000,000 |
We have to be *very* careful what legacy money can do, there has to also be enough risks and methods to take the same amount of money out of the game
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