Designated Survivor
Member
- Messages
- 19
I've looked through some past suggestions on this forum and I've seen some similar ideas, but I wanted to spell out my idea just so I can say that it's out in the open.
The short version: it would be cool if there was a new bank building that could be added to a plot (perhaps commercial) that allows you to deposit caps and earn interest and that also changes the speed at which cities and plots develop.
The long version:
At some point in every civilization's development, a banking industry needs to form to promote economic growth. When a society has a banking system, the entire economy has a backbone to grow off from. Banks can create a basic financial market that lends money to people that need it while leveraging the money of those who deposit into it. Entrepreneurs can borrow money to start their business. Homeowners can take out mortgages to kick start their home. Any large private enterprise or economic endeavor can be made possible through the cash that banks make available. That is why there should be a banking system in Fallout.
So my suggestion is to add a new bank plot to one of the plot types. The player can deposit caps into any bank and withdraw from his account at any other bank, all while earning interest based on how much they deposited. Each settlement can only have one bank, but as you add more banks across the commonwealth and as each bank upgrades to level 3, your banking system grows stronger. Ideally you wouldn't just want a bank plot that the player character can deposit money into. You would want a banking system that effects plot upgrade costs/times and city upgrade costs/times. The more level 3 banks you have, the more interest you make on your deposited caps. A stronger banking system means that your plots upgrade faster, either by lowering the cost of upgrades or by reducing the build/upgrade time of the plot (assuming realistic build times are on). The same goes for city upgrades. If almost every settlement has a level 3 bank, then upgrade costs/times should be noticeably reduced.
I'm assuming that tweaking the city and plot upgrade times/costs dynamically is harder to implement than it sounds. These are all just ideas that can be changed if needed. I just wanted to post this to see if anyone liked the idea.
The short version: it would be cool if there was a new bank building that could be added to a plot (perhaps commercial) that allows you to deposit caps and earn interest and that also changes the speed at which cities and plots develop.
The long version:
At some point in every civilization's development, a banking industry needs to form to promote economic growth. When a society has a banking system, the entire economy has a backbone to grow off from. Banks can create a basic financial market that lends money to people that need it while leveraging the money of those who deposit into it. Entrepreneurs can borrow money to start their business. Homeowners can take out mortgages to kick start their home. Any large private enterprise or economic endeavor can be made possible through the cash that banks make available. That is why there should be a banking system in Fallout.
So my suggestion is to add a new bank plot to one of the plot types. The player can deposit caps into any bank and withdraw from his account at any other bank, all while earning interest based on how much they deposited. Each settlement can only have one bank, but as you add more banks across the commonwealth and as each bank upgrades to level 3, your banking system grows stronger. Ideally you wouldn't just want a bank plot that the player character can deposit money into. You would want a banking system that effects plot upgrade costs/times and city upgrade costs/times. The more level 3 banks you have, the more interest you make on your deposited caps. A stronger banking system means that your plots upgrade faster, either by lowering the cost of upgrades or by reducing the build/upgrade time of the plot (assuming realistic build times are on). The same goes for city upgrades. If almost every settlement has a level 3 bank, then upgrade costs/times should be noticeably reduced.
I'm assuming that tweaking the city and plot upgrade times/costs dynamically is harder to implement than it sounds. These are all just ideas that can be changed if needed. I just wanted to post this to see if anyone liked the idea.
