I was wondering about the banking system in the PU.You've said before that people will be able to take out loans to buy their first ship, but how will this be paid back?If you miss a payment, do you get a bad credit score or bounty hunters sent after you?asked by Gurlanin
TL;DRChris Roberts thinks ship loans would be repaid by auto-deducting a share of mission earnings, doubts missed payments would bring bad credit or bounty hunters, and says it isn't fully figured out and is still to be decided.
I think that what would probably happen is, if you had a loan on the ship, that you would have to pay some back and maybe there would be some level of auto-deducting, in the same way that, if you have a debt to someone, it can be auto-garnished from your wages.I think if you have a loan out for a ship, the deal would be "You can have this ship for this amount of money on the loan and we're gonna take 50% of all your commissions on all your missions until we've got out money back plus some." That would be kind of the way I would think it is.I'm not sure in that case if you miss a payment it would really cause you to have a bad credit score or bounty hunters, so I don't know.I think the mechanic would be you have to pay the loan back from the work that you're doing, and then at some point if you're not doing the work, then you just can't fly your ship around. Because don't forget, you're gonna have to earn money to be able to pay for landing fees and fuel and all that kind of stuff, so I think that system will work, but we haven't fully, 100%, figured that out.There is something nice about the idea of a bunch of people coming after you if you haven't paid your loan back, but that may be a bit tough, and it would defeat the purpose, because you'd be blowing up the ship that they loaned you money for.Anyway, that part of is probably still to be decided.