Okay hey EMC!This is a topic I feel very strongly about, I really think banks should be allowed, I think it would be a great new thing to bring to EMC and it would be nice to see. I know that there are a lot of reasons why people don't want banks but I think I have a solution to most of these.LoansIt's possible for a player to build up lots of debt, draining them of all their rupees. Because bank loans are all word of mouth, we can't track this, which makes it easy for people to scam others. Although we're not saying you would do this, the few bad eggs that do decide to scam means we disallow loans.Solution to players building up lots of debt: Once the player has proven that they can no longer pay the interest rate for example they get a loan for 10 000r and the rate is 2.5% per week, so the player is paying 250r per real life week. Once they have proven that they can't pay the interest rate with screenshots of their rupee balance or something or the bank owner doesn't find any of their items of value, the bank owner may choose to halt the interest that must be paid. Another solution is that when a player gets a loan they give the bank an item of value incase they can no longer pay. To protect bank owners a credit rating forum will be posted if players pay back their loans on time or not to help bank owners know who and who not to trust.Solution to word of mouth loan that can't be tracked: All bank loans are accepted by the player getting the loan and the bank owner through PM and when payments are made they are verified by the bank owner. E.g When a bank owner lends 10k to a player, the player gives the bank owner an item of value of 10k and then they both agree to the terms and conditions, say 2.5% interest must be paid every week, and the amount must be paid by a certain time, so the full amount of 10k must be paid by say 2 weeks and the 500r must be paid with that, so 10.5k must be paid within 2 weeks. Just an example.Saving Accounts: When you give your money to someone else, it stops being yours, and is now theirs. By opening a saving account with someone, you're effectively giving them your rupees, and trusting them to give them back, with more rupees (or items). Again, although you personally wouldn't do this, there are unfortunately some people that are more than happy to steal other players' rupees for personal gain.Solution to opening a savings account with someone: Only give your money to someone you think is trustworthy don't give it to a player with 24 days, give it to a player you can trust. For example I would offer you a price. You pay me 100k and I will give you a 1% rate, so you basically make 1000r a week for giving me your money. But if you want to pull your money out you must give the bank 1 week notice to get it out. The Staff Team is not there to act as your lawyers, and because the scam potential is so high, they will not get involved. Do not expect assistance from the Staff Team if you are scammed by opening a savings account, since, like loans, they are done through word of mouth. This means there's no way for the Staff to know how many rupees are in your savings account, and therefore we don't allow such services.Solution to Staff being bugged with scams etc: Staff do not get involved, if you are scammed from a loan and do not have proof or an agreement than you may not be refunded your rupees, and when you put money into a savings account players may report but it's up to staff to make a final verdict.As with all items lost (due to bugs, rule breaks, or other similar things), do not expect a refund if you lose your rupees or items due to using Bank systems.