Corporate Loan Terminals
Peons of the modern age!

A social credit score tracked by the WJF or WSB could lock you out of getting loans from topside corporations, forcing you to go with the much more predatory, shady, higher interest syndicates for a loan. Getting fined or otherwise judged, fired from a corporate or service job, etcetera, would harm your score. Being part of a gang or being unemployed for a long time would also hurt your score. Etcetera etcetera.

You're not going to a small independent lender. Those exist.

You're not even going to a loan institition like a bank. That exists.

You're not even going to a massive corporation with near infinite resources, no.

You're going to the guys that print and issue the money themselves. Every single bill you'll get has their name on it.

The WJF goes after fines they issue because they enforce the law and their authority through it, but if I told a Director of Security that I need his agents to go beat up some mixer over 5k I'd expect them to laugh in my face. You're creating an overhead of megacorp employees having to deal with issuing, overseeing, checking in and collecting on these loans and then want to have an Agent with so, so much more value in equipment and chrome go down to beat some guy up over 5k?

If you're missing small loans opportunities, ask for small loans opportunities, but the Corps should be the big one. HOWEVER, they should also be allowed to be independent. So WJF or WSB can keep whatever database they want, but the Corp shouldn't be bound to it or have loans to people automatically locked. They can do what they want, and that way people can manage their corporate relations if they ever want to have a loan, or even go on a spree to burn them all, or lend from one to pay off the other, so on.

Megacorps are so large some of them aren't even contained by what fraction of them exists on Earth. Withmore as a city is nothing but their fingertip, and people are acting like they're local stores less significant than even the local bank.

The player can issue -whatever- size loan they want. Not just 10k, not minimum 40k. Whatever they want. They have a guy they think is trustworthy who needs small change they wanna give like 7k to because they expect zero problems on repayment? Go ahead. Someone else wants a big, high risk package? Their call.

If they end up wrong on the small fry guy and there is a problem, let it be the burden of the player to convince security it is worth their time and potential risk to life and gear to do something about it, and have a period after which the balance must be covered, even if it comes out of someone's paycheck. The player could also have the option to sell the loan on at that time, on their own or on the corps behalf, to provide a place for an independent Collections industry.

I like the idea of corpsec having more to do instead of just waiting in lobbies for the action to come to them. Note - they should have more they’re -allowed- to do. Not more they’re -obligated- to do.

The benefit of player/player loans is they automatically balance themselves out by removing currency from the economy to issue credit, and repayment comes from activity so there is a net gain in activity at the cost of zero inflation... technically I think it's even deflationary because there lender can't borrow against the issued loan like a bank could. Which is all good because it keeps the game's economy from spiraling out of control with excessive available supply of items and chyen.

Any loans that involve creating chyen out of thin air would risk huge amounts of inflation, even more so because the assets they purchase are often effectively permanent (example being those ~20 bikes that rotate owners and depress that part of the vehicle market). The chyen from lending would need to either come from somewhere practically, or any lending would have to be front loaded by required player activity that made the chyen borrowed equivalent to the usual compensation for any other kind of player activity.

However my sense is that loans, of any kind, with any collateral or terms, encourage character abandonments and re-rolls as a general rule when available to anyone, and end up overall being counterproductive.