If the ransom amount were less than what you get for a hook, you could just ask for a favour instead of money and then immediately use the favour hook to demand money. My guess would be that it wasn't meant to increase ransom money, but someone noticed this exploit and they decided to just raise the ransom to match rather than artificially prevent doing this.
This is a very good point. It might end up to be a QOL feature after all, since if ransom is less than demand payment from hook, then might as well side step the whole process.
The contentious part should be whether or not Demand Payment should operate on 6x your own income or 6x of the target's income.
I don't see an issue with "300" as a number, but I think it's probably intended to be be 6x of *target* income.
If I were to revise this, though, I would update it to the highest of:
- 6x of target's income (capped at their wealth)
- 30% of the target's wealth
- 50 gold
Doing it this way it can capture all situations
- Rando courtier/baron with 1200 gold? hell I'm taking 400 of that! But with the 30% rule it also saves the game from being too frustrating if used agaisnt a player.
- Any rando courtier with 30-50 gold somehow? 50.
- A king with monthly income of 30? You owe me 180.
The only problem would be using this on the pope, that probably ends up being 10-20k at the end game.
If this was to be changed, I imagine that the devs would only bother changing it to scale to the target's 6month income soon and nothing else since that is the simplest move.
It would make demand payment a lot weaker than it currently is, but I guess that might be OK for a first perk? I hope they would adopt something like your idea instead so that it is still fun to seek out to get a hook on or imprison rich dudes.