Salary/Debt

[Purely]

Hello!

I had a brief look through previous suggestions and I didn't see anything about this, so I thought I would put this thought out there!

The idea is to treat salary like cash when you have debt owed. 

What's the issue?

When you are in debt after serving time in jail/prison, you are able to put cash into an ATM to begin to pay off your debt, 50% of the total amount of cash that you deposit will go toward your debt payoff, and the remaining 50% goes into your normal bank, allowing you to use the funds. However, salary is different when you attempt to claim it while in debt, as 100% of your salary goes toward paying off the debt you owe. If you do have more in your salary than what your debt total is then you'll receive the remainder to your bank. 

Now, if you are someone who has stacked up a lot of debt due to mischief through large scale crimes, numerous tickets or whatever your situation maybe, you could be in an extremely large amount of debt. If you wished to turn a new leaf and start doing freelance work, or working under a legal faction, all of the money that is earned into your salary is completely thrown at the debt pile and you receive 0% to use.

This becomes an issue when, over the course of your debt pay off, you cannot afford simple items, like food, drink and clothing. Which can severely impact a character's ability to function in the city.

What could be done?

I think that a solution to this is to allow the same ruling of inputting cash into an ATM, with its 50% to debt, 50% to bank ratio and applying it to salary too would benefit the server in a small way. 

It makes sense as being in that much debt that you can not physically gain access to food without begging and pleading for bank transfers and cash donations.

 

Let me know what you think of this idea!

Edited June 28, 2023 by Purely

[Quietthecutie]

+1

From a gameplay perspective it makes total sense. if as OP said if you find yourself in a large amount of debt basically the only way to get money you can actually spend is doing more crime, risking potentially more debt. there's no long safe option for clearing your debts short of begging for food.

From a RP standpoint it also makes sense as IRL, debt collection companies cant just take every penny you earn, they have to set up a plan which allows you to pay back what you can afford whilst still having enough money to get by. in the game whatever split is chosen would be arbitrary but 50/50, like the ATM deposits sounds good. debts still an unavoidable part of the game but no longer totally crippling a player.

[Requiem]

+1 to the suggestion. I think this should be combined with the IRS suggestion as well. 

[Carl Vespucci]

+1

[TheCZJ]

+1, great suggestion 

[Lynn Foster]

+1

[Cup]

+1 Makes sense.

[fweasy]

+1

[a1ex]

+1, don't know why this hasn't been thought of before as it doesn't really make sense how it currently is