No pitchforks here... Just making the obvious historic statement, that rebels and such were quite the abnom in the period... But like the idea anyway, just think it should be made a bit different... But better than what I can currently cook up ;-)
Need more loans
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When was the last time you respected a banker's opinion?
Some things never change through history.
Hmm. Maybe some sort of delayed effect then. For 5 years things are as now, then the modifier/timer expires and the provinces lose a lot of their production to reflect the depleted and impoverished peasants being outright unable to continue to pay their taxes and such?
Could be an interesting aspect, but would also be a double penalty over interest?... Perhaps a better limit to loans and more interest would suffice, more impact on inflation and forcing you to take loans from others...
What I really wanted would be it count as a minor CB, where Ottoman wouldn´t automatically be able to call in all his allies when Venice comes at the door knocking about that loan... A modifier to "new loans" from nation would make it harder to get new ones, and with a very limited amount of loans from the "bank" and increased interest you could quickly run out of money... Say you can only have 5 loans with 10 % interest and 1 inflation... When in war, 5 loans is nothing... So you need to borrow from Venice or Genoa... Defaulting on those will leave you unable to take loans from nations, much like "promised land" modifier when not giving shit... If you head into a new grand war for the period... You will quickly risk losing the war since you can´t bank mercs as much since you can only have 5 loans, or you will run out of money too fast and end up becoming bankrupt... that´s at least my idea within the current mechancis...
In reality I wanted it to be a bit more complex, as seen in my links to suggestions with some other stuff
Bah, I just dislike loans (probably because I don't really understand how they work and because they seem insanely OP if used correctly) so I don't use them. It is probably somewhat hampering, but not really noticeable in SP in my experience.
Umm, loans were already commonplace in 1400s. There were banking families like Fuggers and Medici and so on who basically financed Spanish Empire and Holy Roman Emperors and so on. HRE Emperor Ferdinand II was millions of ducats in debt for Bavarian duke Maximillian and many other nobles and towns. Loans and subsidies might have been the one most important way how kings financed their wars before efficient taxation, as taxing needed always consent of the Estates. (which were so important they should be main game feature, btw)
I personally like how elegantly simple the loan system is right now. I haven't really abused it, though. I guess there might be balance issues, especially if you stack interest per annum.
I personally like how elegantly simple the loan system is right now. I haven't really abused it, though. I guess there might be balance issues, especially if you stack interest per annum.
It is kinda ridiculous both as a game mechanic and in terms of verisimilitude. Well, they looked at Mercs in Cradle/1.23, maybe they will look at loans next.
the solution is indeed simple - pay with developement... the richest province loses dev on renew and top X (=number of loans) richest provinces would lose dev. when bankrupt (cascading, so really well developed province would become dirt poor)
amount of points lost would depend on the sum of loans
edit: 1/1/1 province wouldn't get you any loan
amount of points lost would depend on the sum of loans
edit: 1/1/1 province wouldn't get you any loan