Goblin Squad Member
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This has me pretty excited as I love to play a merchant. It looks like loans are going to be a tuff sell though. A criminal flag for defaulting on a secured loan seems excessive. Also, it looks like loans will need to be repaid in one installment? Would it be possible to stretch them to say 3 or 10 payments? That might be more attractive to people that actually need to borrow money in the first place.
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Goblin Squad Member
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As with all these contracts, there's also the old fashioned way - verbal agreement. I can see myself loaning people I know, or at least trust, some cash if they need it. We set the parameters of the loan rather than a game mechanic. Of course, I'm for most of these things not needing game mechanics, but that's just me. :)