I just lost an Asp with some upgrades because I got a bit trigger happy in a warzone and shot a capital ship. That`s not the issue, however, the issue it that I was five bloody grand short of being able to afford insurance for the hull, never mind any additional equipment, so now I`m stuck in a Sidewinder with sixty grand and a Hauler on the other side of the Federation. Frontier, would you kindly increase the cap on loans to, say, infinity? Pretty please? Cherry on top?
Please increase maximum loan
- Thread starter ATrifleMiffed
- Start date
Covered in countless other posts. If you choose to leave the station without your ship being insured then that is the risk you take.
You made a mistake. Changing the game because of your mistake doesn't sound healthy to me.
At most, the loan amount could be configurable with a slider that increases the payback rates exponentially. Something like 10% for 200k, 50% for 300k, up to 90% for 400k where you basically make no credits at all until you pay the whole thing off. (The 10% is a small safety margin for fuel and repair costs.)
That would seem like a fair compromise.
At most, the loan amount could be configurable with a slider that increases the payback rates exponentially. Something like 10% for 200k, 50% for 300k, up to 90% for 400k where you basically make no credits at all until you pay the whole thing off. (The 10% is a small safety margin for fuel and repair costs.)
That would seem like a fair compromise.
Removing the loan would not increase difficulty, because it doesn't make enemies harder to kill or anything like that. The loan system is the wrong to turn if you want to change difficulty.
I'm all for a more difficult game, btw
But loan and in general what happens *after* you die, has nothing to do with difficulty. Difficulty is only a thing that applies while you're still alive.
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I have suggested this before, but it seems appropriate here:
Instead of "increasing the loan amount" what it should let you do is "take the loan amount in credits" if it can't pay for your ship.
In situations like this: http://i.imgur.com/RomQg4Q.jpg
... a player should be able to take the loan in credits since they can't afford the rebuy (just like real car insurance). The same payback structure would apply, but it would mean less of a hike back up to a reasonable situation.
Instead of "increasing the loan amount" what it should let you do is "take the loan amount in credits" if it can't pay for your ship.
In situations like this: http://i.imgur.com/RomQg4Q.jpg
... a player should be able to take the loan in credits since they can't afford the rebuy (just like real car insurance). The same payback structure would apply, but it would mean less of a hike back up to a reasonable situation.