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There's a group alreayd offering themselves as the first reserve bank of gaia.

Loaning money is also open to problems.
I'm thinking something like take out a loan, give it all away to someone, then declare bankruptcy and don't repay it.
You can't really prevent people from giving the loan money to another player, unless you 1. Keep it seperate from the other money/apply effect to all money while a loan is out, and 2. Prohibit any means of transferring money, which means for starters, no buying anything from the marketplace for example, which is awkward, as the main reason for a loan is to buy something expensive you always wanted, such as that halo or whatever.

You also have the fun work of setting interest rates on loans, interest on deposited money, how long they have to repay, etc.

Obviously, paying interest on money is going to put more money into gaia, leading to further increased interest rates.


Loans, I would say aren't that bright an idea, as they'll likely lead to trouble (don't forget, most of gaia has problems with english despite it being their native language, let along with complex fiscal management like repaying a load), and require a fair amount of work for not that much real gain.

A general bank, I don't see that much of a problem with, but it's not really needed.
You get quite money every day from things like the daily chance, viewing pages, making posts, and similar, which keeps you up with inflation. Adding a bank with interest will increase the money people get, but also increase the interest rate.
It would be basically the same as just, oh, I don't know, making some sort of daily event to give people yet more money.
Except this method doesn't require the page views, and this advertising hits, that other methods could.

I feel I should mention, I have never studied economics or anything in my life. I'm a straight science/engineering person, with the basic english course all high school students had to take.