I've tried to set up a banking service run out of my guild, but there are several glaring issues that lead me to abandon the project.
1. There's no way to advertise it.
2. A not insignificant number of players don't seem to understand the concept of a loan or interest.
3. There's no way to use collateral to secure the loan, since anyone who has an item valuable enough to use for collateral could just sell it and get the money they need.
4. There's not enough trust on either end to have a stable banking system.
5. If a player wants a loan to fund the purchase of a high level item, they stand a good chance of obtaining one as they grind the cash needed to repay the loan.
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