Banks and carrying gold

[Chalooby]

I've searched for banks and its already been mentioned by Sankis and Me but I was wondering if anyone had any thoughts on whether carrying money should take up inventory space and weigh down your party.

Banks to store the money, you choose an amount to carry and you can be robbed of the lot instead of just being robbed of a bit of it and the more you carry the slower you go?

You could also have missions to rob merchants carrying large amounts of cash.

 

[Balor]

Well, question is whether it's historical. I'm no historian, but I suspect that banks were drastically different from those we have now... and that have to be addressed.

 

[Whitmire]

True. Medieval banks are the stuff of fantasy. Usurer's notes were used, though.

Well, it looks like the Merchant's Guild is up and running, so the bourgeoise is on the rise. This means that they're making investments, which cost money. Perhaps the player should be able to lend money to said merchants, who'd pay back after a while - if they succeeded in their venture! That would be the most logical way to put money aside.

Rival lords also need a lot of money for their wars, so lending to them is another option. Of course, money lending for profit was not allowed for Christians, but as far as I know neither Vaergir or Swadia is Christian.

Or then you could just hide your fortune - with a chance of it being found, of course!

 

[Me]

They changed that law mid way through the middle ages then merchants started borrowing money off noble families. People could collect money they stored with a family off different 'branches' of the family too, which is way I assume indivual banks are also called branches. Or at least, thats what medieval Total War said.

 

[Chalooby]

OK, as you can tell I'm no historian either

How about somewhere to keep the money and goods though? When you get large amounts of money it seems unrealistic that you'd be carrying it all with you. At least not without buying an extra army of horses to carry it

 

[Piddyx]

I beleive that lending money with interest was illegal for christians until the late middle ages. However, I still think banks both of the two capitals would be a nice feature.

 

[DaLagga]

Well, i say forget the historical aspect and look at whether or not banks would be fun and benefit the game. Although i don't like the idea of money having weight. But it would be great to have a storage area of sorts to hold items...maybe your own house? Or the already suggested personal town/castle or whatever.

 

[Havokk7]

Rather than a bank, I think a strongbox system would be useful. For example, I can leave my gold with someone in Zendar (after paying them a fee to cover the cost of security) then I can retrieve my gold at a later time, but only from that person in Zendar.

I believe the Knights Templar were the first to introduce the idea of bank notes to Europe. A man could leave money at one Templar outpost, collect a signed note in return, then exchange that signed note for coin at any other Templar outpost. The first of what we would recognise as a modern bank was founded in Barcelona in the early 1400s. Before that banks were mostly offered storeage and moneychanging services.

I'd certainly like to see one of these in the game. It seems silly to me to be carrying all your gold with you all the time. Wouldn't it be heavy?


Cheers
Craig

 

[Gilglaurad]

cRPG Rule no. 1723: gold coins/Denare/"money" is weightless and can, reguardless of amount, always fit into a small leather pouch. Furthermore, if a merchant sets a price of several thousands, the price will never be "3 thousand", but "3152"; and you can take the exact amount from your leather pouch without counting

Um, I'm all for a bank/strongbox (but YOU would have to pay, obviously, you woldn't get interest )

 

[DaLagga]

Yeah, it would be heavy Havoc. But we want fun, not boring, annoying, tedious realism. That's like saying its odd that we can't control our characters breating. How about we add key binds to "inhale" and "exhale". During all times you must alternate between the two. If you don't breathe fast enough when the situation is tense you become dizzy and lightheaded, and thus your ability to fight is impaired. However, if you breathe too fast, you can hyperventilate and pass out. And try to avoid breathing in all that dust those horses kick up, otherwise later in the game your character can develop a lung disease. Lung disease makes it harder for you to maintain the "inhale" and "exhale" rhythm which gets progressively worse until your character finally dies. Just something for people who love realism to think about...

 

[Worbah]

Medieval banks are the stuff of fantasy. Usurer's notes were used, though.

If memory serves right, the first banks were founded in the 1120's. The source I have though is Don Rosa, so someone should probably check it out.

 

[Gilglaurad]

for that matter, your charachter should have to go behind the bushes quiete often, especially after s/he drank all that ale... and of course, s/he would have other needs too...
Additionally, the whole stress of fighting would also increase the risk of a stress-induced illness - not to mention that being hit by blades isn't healthy, and that crossbow bolt into they eye doesn't only knock you out... we should add a permakill option for the HardcoreRealismWorkers

 

[Saladin]

Medieval banks are the stuff of fantasy. Usurer's notes were used, though.

If memory serves right, the first banks were founded in the 1120's. The source I have though is Don Rosa, so someone should probably check it out.

They weren't quite banks, they were basically people that would take your money and give you a slip of paper where the next bank at the next town would give you that amount of money when that slip of paper was received. They didn't really hold your money or anything like that.

 

[Sir Jodi]

Yes, the bank was invented by the knights templar, who protected the pilgrims on their way to Jerusalem, and fought valiantly in the crusades. If you wanted your money to be safe, but could not afford a armed escort, the templars for a small sum of cash, took the money you wished to deposit, and gave you a sort of check(a slip of paper) and whenever you needed your deposited money, you would give it(the paper) to a templar officilal in any town, and he would give you your money.

 

[konskrypt]

*bump*

Just thought I'd drop a line. The Strongbox idea is great.

 

[TheJkWhoSaysNi]

Before, people were talking about owning your own castle. If that were possible you could have a treasury to keep all your money in

In my opinion money should take up inventory spots. Maybe 1000 denars per slot or something.

 

[Cleitan]

1000 denars per slot means 20,000 denars = 20 slots......

Thats a bit harsh......

 

[Phuct]

Especially when you consider that by the time you reach about level 20-25 you would normally have 100k+

I dont like the idea of weight or slots being used but I think the way the Templars done it, have officals at each town that you can give cash to and they give you an inventory item (slip of paper or something), would work really well and would be in keeping with the times. IMHO strong box type option would be quite cool but to keep some sort of semi-realism thing going on you would only be able to get it out of that strongbox that you put it into, it wont magically appear in the next towns strongbox kinda thing.

 

[DaLagga]

While i think it is a terrible idea for money to have weight or to take up inventory slots, i think i have a compromise. Alot of people seem to think its rather unrealistic to be carrying 500k gold with you into battle. So, to add purpose to deposting your money somewhere (when such a feature is added), you could simply lose ALL money you are carrying when you lose a battle. It is rather silly right now, how if you lose a battle, those bandits only take a handful of gold coins from that massive treasure chest you must be carrying around. So there you go, now there's a point to depositing money and its kept fairly realistic...what do you think?

 

[Santtuvaltteri]

Carrying all that gold would require a wagon or a few pack animals. Not really a necessary detail to include in the game, unless it's possible to lose the wagon or the animals.

What would be more likely is that those bandits would really get interested in liberating you from all that wealth, if they happened to know about such treasures...