It would ruin the whole of lioden to sum it up, free gb basically, you can't fix that

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If you can explain each way to fix the points We have stated I’d be willing to offer the chance to change my mind but I cannot see this happening.

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This is a neat idea and I get it, but I cannot see any way in which this could be viable, no support. You could lend to a player and then they permanently quit before paying you back, leaving you permanently at a loss with nothing to show for it. Timing on paybacks is difficult as it's very much a "how long is a piece of string" deal; different players are going to take different amounts of time to make a certain amount of GB. You also use the example of "breeders", as in RLC/Mutie breeders, which I feel like perfectly exemplifies one of the biggest problems with this - it will likely undermine your ability to resource prep outside of months where the breeding item you want is available. Any given lion has a breeding cooldown of 20 days, and suddenly x amount of all GB you make in those days is going back to the loan you took out for the last heat. Chances are, you're going to need to take out a loan AGAIN, causing a vicious cycle. You also say that if you don't pay back in the given time, you get a strike - does the debt still get paid off, or is the lender just stuck in the hole? Either way you're going to have a range of potential issues.

There's so many issues right there, and that doesn't even begin to touch on other potential issues. For one such a system would be a pain for the devs to code. You'd need a database of who owes what to who, what's been paid back, who hasn't paid back what, likely some sort of system to agree a time limit (again I don't think there's necessarily a defined "period of time" in which someone should be able to make a certain amount of GB, how much cash someone can make in-game in a given timeframe depends on so many factors), and some kind of infraction system. For two, toxicity. The kinds of dramas I can see arising in the playerbase is absurd. Callouts and chaos, people begging others in chat to either give them a loan or help them pay off their loan, you know exactly what I'm talking about. The social ramifications are endless.

Overall it's a neat idea, and I get it, but it'd be way more drama than it's worth and completely undermine the whole resource planning thing that's core to any petsim and especially "specialist" breeding on Lioden.

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No support from me unfortunately, there used to be (and probably still is) an issue with 'promise' trades, which has been outlined in the code of conduct that staff will not help with them, to quote:
'We do not offer any support to "promise transactions". This is a type of transaction that doesn't take advantage of the implemented game's trading system or studding system to conduct a trade, studding, "reverse studding", or other action which involves an exchange of game assets.'
I can imagine - even WITH - this suggestion being implemented there'd be a lot of people quitting the game with outstanding loans leaving people down countless GB, and staff wouldn't intervene at all since I can imagine it would fall into some sort of promise transaction, even with using the game's features.
One thing that I don't think has been brought up is, what happens if you can't pay back your loan/s after a certain amount of time? Do the items/lions you bought using a loan get taken off you to pay for your debt? Apart from the 'strike/s' that you mentioned getting put onto your account, it wouldn't really be enough to deter people. That honestly just creates more problems than it solves.

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Lioden, plainly, is a play to win game. No need for staff-approved debt to pile up. This just sounds so stressful for players and potentially catastrophic for our already unstable market. Agree with everyone who's no supported before me.

ETA: GB is NOT hard to earn as long as you work at it. Hunting, playing Serengeti Shuffle, playing events, doing services if that's your jam. Which negates the need for loaning in the first place. I'm busy—I work a job AND go to school, and sometimes I'm busting my ass 16 hours straight. I'm writing a book. I have needy pets. I have friends. No time for Lioden. I still do fine. It just takes effort and a little know-how, the latter of which you can get by reaching out for help!

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@Heavy

The only thing I wanna point out is I believe Holly was suggesting the loan be through in-game systems, as in the GB is just "generated" for you to pay back, and not a player to player loan/payback system, so not paying back would only cause the loanee being affected.

But that's another issue, as GB(at least in my time playing) has never just been "generated" or handed out, it always comes from already existing GB that has previously been bought, even if it was bought years and years ago.

It would be a financially poor decision for lioden as well in that case, because why buy GB if you can just take out a loan instead? Or for those like myself who don't buy GB, it could potentially cause less participation in the site's economy and events, as people opt to take gb loans, even if the initial loan amount is small, instead of playing events and participating to collect items to sell.

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@Sakasu ah no, reading back that makes sense - I was just thrown off by the note adding system, made it read to me like you were borrowing from other players, my bad But no in that case I completely agree with every point you've made - if anything it would be even more disastrous than a player to player loaning system. GB as you said has always solely come from Oasis purchases, it isn't generated any other way, and so suddenly why buy GB when you can just borrow it? LD devs are never going to do it when it's the literal only way the site is monetised. Also big agree that it would completely wipe out the player economy; suddenly nobody's buying any gb, the second they get any GB it's going back into the system to repay their loan as opposed to most of it circulating amongst players, nothing is selling and we're all in hell lol.

Ultimately it'd most likely have a huge, detrimental effect on the player economy (inflation due to shift in supply and demand? the rich get richer whilst those taking out loans get stuck in the well-documented-in-the-real-world cycle of debt? I'm not an economist but man you KNOW I'm not even scratching the surface on ways this could potentially go down) due to the lack of flow of GB between the playerbase. Plus it'd tank the devs only source of income, lol.

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Jesus, yeah. We all know there are children on the site. Minors would probably be the ones to use it the most due to, y'know, being kids with less understanding of delayed gratification and consequences. They might not even fully understand the concept of loaning and debt.

I reckon it's not fair to base an argument on the illegal children, or even the player base who are older teenagers, but it's still a concern of mine.

Either way, it feels a little scary to subject the site's users to this, let alone its minor players. And in ANY case, this doesn't sound fun for anyone, and games are supposed to be fun.

We're not trying to be rude or mean, but I think it's a fundamentally broken and worrying idea in multiple facets that have already been explained.

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Loans are already against the rules. Even with a loan system straight from the oasis, it would open up a whole new can of worms of players attempting to do so themselves. Not to mention, the 'ban' wouldn't work unless it was permanent and drained funds immediately as they came into the account. Or what about folks simply using SB instead of GB? Selling everything they get for SB so they don't have to pay back that loan. Where's the actual consequence for that? Even with any feasible or imaginable 'fixes' to the idea, I think it's just a bad can of worms not needing to be opened.

You can sell 100 food uses for 1 GB even by hunting lionesses which is free. You can easily use basic NCLs you claim for free in explore. Event items mostly sell pretty darn well, even certain decors. You just need to put in the time, even if it's just a little bit a day, to earn funds. Instant gratification on Lioden isn't worth the trouble it would bring. I get where you're coming from, but it just takes time and not splurging to earn GB/SB. I don't mean any of this to be harsh, but it just simply takes some rolling up of the sleeves and a little bit of effort each day you can be on to play. No support.

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I understand where the idea is coming from, but it sounds like it would take the fun out of earning in game currency. No support.

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i have nothing positive to say about this other than it's an unbelievably stupid idea. i can spend hours dissecting this, explaining why it wouldn't work, explaining why it's ultimately useless for the people who would use it the most, explaining why it's terrible for our already horribly tarnished economy.

instead, all i'll say is players won't have any issues making gb if they just focused on saving rather than buying new shiny lions.

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lioden 2008 bubble burst bankloans & financial debt simulation is crazy

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