COMMUNITY - FORUMS - THE TAVERN
Introducing the UBE

The United Banks of Elyria represents the upper class of the Elyrian population.

Do people come to you for loans or hand outs? If you join us, we’ll guarantee your investment is protected.

Do you like earning interest? We’ll make sure they pay that gravy money.

We here at UBE specialize in extreme forms of ungodly torture to get you what you deserve!

Do you enjoy watching people get crushed under the weight of your financial obligations? Look no further for your protected interests.

Only the richest may apply, only the poor get crushed.


7/26/2018 8:50:57 PM #1

Hello! There’s a more appropriate place for you post. If you look for the server-specific forums, each one has an Organizations server right below it.

Good luck!

7/26/2018 9:37:59 PM #2

We here at UBE will encompass all servers and ever organization shall come to know us.

We will also be branching into commercial loans and equity financing. For rich people, of course.


7/26/2018 10:23:32 PM #3

... and my offer of Alt Training got moved to the tavern

7/26/2018 11:27:08 PM #4

Posted By Skull Splitter at 07:37 AM - Fri Jul 27 2018

We here at UBE will encompass all servers and ever organization shall come to know us.

We will also be branching into commercial loans and equity financing. For rich people, of course.

Seems somewhat foolish to try cover all servers. Yet I always think these type of business are really just out to rob people. Trusting someone with that much money, can only hope they really do rob everyone.


7/28/2018 7:26:17 AM #5

I think the OP has it backwards, at least partially.

In RL history, it has usually been the governing elites who have financially ruined themselves into debt. Merchants have historically been considered a lower class than nobility. Some of them have ascended to noble rank over generations (Medicis, Rothschilds, etc.), because of their ability to buy influence and even titles through their connections. The ruling elites can always attempt to use coercion to extract additional loans or gifts from merchant bankers, but that tends to be an unsustainable policy if the merchants can find some more reliable customers, or once the merchants' money reserves dry up.

Generally speaking, merchant bankers don't lend money to people who do not have the capability to pay them back eventually. This has historically made lending to the nobility a better risk than lending to the lower classes, since the nobility have the legal authority and/or connections to extort money through taxation, looting, and so forth.

Of course, lending to other merchants is the safest course, because other merchants will tend to pay back the loan in order to stay in business. Besides which, if the loan fails, there is often useful collateral to make up for it. The kind of loan-shark enforcement the OP offers is traditionally used by bottom-feeder lenders on the most unreliable of customers, who often have no collateral but their lives. It's good story material, but won't ever be a significant revenue source for governing elites.


7/28/2018 3:14:52 PM #6

Governing? Oh no my good sir, while your point was well articulated- you misunderstand.

Our investors are the kind that rule behind the curtain, they do not feel the need to bother themselves with directly ruling the population.

And unfortunately, due to the anonymity granted to the very nature of Elyria, any loan or investment must be treated as a “loan shark” type of interaction.

Which is why we here at UBE specialize in obtaining what’s yours...by any means.

Sure we can hypothesize scenerios based on the occurrences of a alternate universe, but that doesn’t do us much good does it?

What we do know is that there will be those that have a lot, and those that have nothing.

And we here at UBE offer a way for the “haves” to take advantage of this disparity over the “have nots.” So come on down! Make easy money off of your easy money.


7/29/2018 7:48:05 AM #7

Thank you for the clarification, Skull Splitter. I understand perfectly what you are proposing.