Tuesday, September 12, 2023

Proposal: I’ll Gladly Pay You Tuesday

Withdrawn. Josh

Adminned at 13 Sep 2023 17:02:03 UTC

Add a new rule named “Loans” and give it the following text:

There are Loan Sharks who are available to service Loans to Punters. Each Loan Shark has the following publicly-tracked values:
* Name
* Minimum Readies: A Punter requesting a Loan from this Loan Shark must have equal to or greater than this amount of Readies.
* Maximum Loan: The maximum amount of Readies a Punter may request in a Loan from this Loan Shark.
* Rate: The interest rate of Loans from this Loan Shark, represented by a rational number rounded to 2 decimal places between 0.01 and 1.00 inclusive.

At any time, a Punter may request a Loan by privately informing the Bookie of the name of a Loan Shark and the amount of the Loan as a number between 1 and the Maximum Loan for the requested Loan Shark. Upon receiving the request, if it is valid and the Punter does not already have a Loan with the requested Loan Shark, the Bookie should, at their earliest opportunity, privately track a new Loan for this Punter and then add the amount of the Loan to the Punter’s Readies. The information tracked with a Loan is the following:
* The name of the Punter who requested the Loan
* Loan Balance, which is an amount defaulting to the amount requested
* The Name of the Loan Shark
* The Rate of the Loan Shark.
* The Countdown, which is a number defaulting to 7

Once each Day, for each Loan tracked, the Bookie shall multiply the Loan Balance by the Rate, round this to the nearest integer, and add the result to the Loan Balance, then subtract 1 from the Countdown. If the Countdown for a Loan is 0 after this action, the Bookie shall perform the Delinquency action, which is an atomic action with the following steps:
* Set the Countdown for this Loan to its default value
* If the Punter associated with this Loan is not already Delinquent, make a Story Post naming the Punter and describing them as Delinquent, using any flavour text of the Bookie’s choosing as long as it doesn’t contain the name of any other Punter.

A Punter whose name has been mentioned as Delinquent by the Bookie in a Story Post is considered Delinquent for 24 hours from the date and time of that Story Post, after which time they are no longer Delinquent. While a Punter is Delinquent, they may not take any dynastic actions.

At any time, a Punter may request the Loan Balance of a Loan from the Bookie by referencing the Name of the Loan Shark associated with that Loan. The Bookie should respond as soon as they are able when such a request is received.

At any time, a Punter may Pay Loan by sending a request to the Bookie with a positive amount of Readies no greater than the Punter’s current Readies and the Name of the Loan Shark associated with that Loan. Upon receiving the request, if it is valid, the Bookie should, at their earliest opportunity, subtract that amount of Readies from the Punter and from the Loan Balance of the matching Loan. If the Loan Balance is 0 or less, the Bookie should remove the Loan from tracking.

You can use Loans to your advantage, if you play your luck right, or you could get into a lot of trouble if your luck runs out. I want to see if this Proposal passes before I suggest actual Loan Sharks, but I do have some in mind.

Comments

pokes:

12-09-2023 12:40:54 UTC

for

Lulu: she/her

12-09-2023 15:26:00 UTC

imperial But…why?

Josh: Bookie he/they

12-09-2023 15:59:43 UTC

against I really don’t love how much ink is spilled here on a marginal mechanic… I think we can bring the same effect in more efficiently

JonathanDark: he/him

12-09-2023 16:40:12 UTC

Fair enough on the complexity comment. I’m often guilty of having overly wordy Proposals when a more succinct approach will do.

To Lulu’s question: since it’s possible to have negative Readies, the implication is that some Punters might need loans to get out of the hole, because there’s currently no other dynastic action they can take to go from negative to positive Readies.

It’s also possible to leverage loans as a risky way to increase your betting power if you feel particularly lucky on a Sporting Event and are confident that you can pay back the loan and make a larger profit at the same time than you could have otherwise.

Lastly, there might be a side-game of Punters investing in Loan Shark operations or manipulating Loan Sharks in some way. It’s not clear to me yet which way that might go, but this is the opening for that sort of idea.

Kevan: he/him

12-09-2023 16:59:41 UTC

against Per Josh.

Lulu: she/her

12-09-2023 17:01:10 UTC

We already have one bailout active in the form of Reinitialization, another seems like overkill.

JonathanDark: he/him

12-09-2023 17:19:29 UTC

That’s a good point. I wonder if it’s worth setting Reinitialisation to Inactive for this dynasty? Bets are a lot less risky if Punters can just go back to 100 Readies at any time.

If we don’t turn it off, we’ll definitely need some other gamestate to be earned that is worth not losing (which of course is hard to tell at this early stage)

JonathanDark: he/him

12-09-2023 17:20:15 UTC

Though I suppose what’s worth not losing is a significant gain in Readies over 100.

Josh: Bookie he/they

12-09-2023 17:26:36 UTC

One of the things on my to-do list is set the economy such that the average bet is slightly profitable, with a lot of variance - so over time you’d expect to rise above the 100 baseline, such that reinitialising should be detrimental to the average player, and such that betting is usually better than not betting.

Kevan: he/him

12-09-2023 17:36:07 UTC

Reinitialisation should already be off, it defaulted to Inactive at the start of the dynasty when the Ascension Address didn’t say to activate it.

JonathanDark: he/him

12-09-2023 18:18:36 UTC

Ok, so that leaves us with no bailout if a Punter goes into negative Readies. Just putting it out there for future consideration.

Bucky:

13-09-2023 01:47:06 UTC

imperial

JonathanDark: he/him

13-09-2023 06:04:50 UTC

against Withdrawn