Board Thread:Suggestions forum/@comment-26073467-20150903041121

Here's a few ideas for different money related things that I thought of, mostly based around IOUs and loans, and what follows those: Debts.

Currencies and banks, etc.

Hobbit Banks, found in the shire and Bree, are hobbit buildings that have Sheriffs, as well as Hobbit Tellers.


 * Hobbit Tellers can exhange coins, give loans, and give banknotes.


 * Hobbit banknotes can be exchanged for materials(logs, hay, crops) or silver, and are accepted as currency by every neutral or allied faction of the hobbits.

Dwarven stockhouses: A place where ores and gold are (Hypothetically)stored, Dwarven Stockmen spawn here.


 * Dwarven stockmen exchange coins, sell ores, give loans, and give Stock Certificates.


 * Stock Certificates are exchanged for ores and bricks, and accepted by any neutral or allied faction of the dwarves

Loans and IOUs:

Loans are given by any (Permanent) faction trader or teller and act somewhat like a quest, but in reverse. Once you take a loan, a timer starts to count down to bring it back; the amount of time is randmly determined from 12 in game days to 60 in game days. Give you a debt.

IOUs: This is used by every faction except hobbits and elves, hobbits because of how weak the faction is, and elves because they wouldn't be the ones to take promises from men. These can be used instead of money. Give you a debt

Debts and failure to pay.

Debts: Thses function similar to quests, they have a randomly determined dealdine between 12  and 120 in game days. Cannot be payed with IOUs. Failure to pay a debt results in loss of alignment or a bounty being on your head (Below).

Bounties/Bounty hunters: When you fail to pay a debt or have a low alignment with a human faction, bountie hunters will come to kill you, similar to invasions.

Wanted posters: These are posters found on walls of Dunlending taverns, mead halls, and other pubs, when clicked it gives you a GUI similar to a quest, have a quest to kill traders and captains, and give money and alignment. 