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this may be a stupid question but what is this, and what will this actually do
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I'll see if I can explain this correctly. "Banks" are essentially deposits of funds. One can take out funds at interest, and must eventually pay back the funds. Some banks(ie, me) have taken it a bit further and are applying it to other areas (Next branch of BoU: the Global Spell Branch!). Of course, there's going to be enforcement so no one can game any systems. And it's still a bit unclear on where the interest goes in each individual bank (I know I'll either take all the interest for myself or split it half-and-half with the bank funds).
Basically, you're trusting people not to take all the banks money and never use any, and people are trusting you not to just absorb all the funds they give you.
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While this idea is nice in theory I'm not so sure I like it in practice. Mostly because it potentially adds a totally unneeded level of complexity to the game and smells a bit like pre-game alliance between the bank nations.
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How is this complex? "Give bank funds, bank loans funds, funds are paid back with interest, wash, repeat" (at least for the BoU). Though I do see what you mean about pre-game alliances; perhaps we should wait for signing up until the game starts?