I couldn't say it better myself.Cammie wrote:Coming up with 20k lumpsum for an item that might break immediately is a far cry from spending an occasional 200c on trophies or furniture that doesn't break.
Poor people are not inclined to go to the effort of saving 20k for an item, particularly if they have a hard time coming up with something as small as 100c. It takes a lot of patience, something many people do not have in large quantities, and there are a lot of things they may get interested in in the meantime. I don't think being poor should prevent you from ever owning something like a catsbane necklace or nice clothes. Therefore, I suggest a possible fix for this problem:
How about a system for the poorer folks in town (and there are a lot of them) to get loans from the bank for expensive items. They then can have the option of paying it back in installments (eg: 50c a day at 10% interest - the interest makes the item more expensive in the, the consequence of getting the benefit of paying back the loan in installments, which is less of a hassle all in all). The money could be collected automatically when you wake up in the library or something to ensure you don't screw with the bank. Or it could be voluntary, but if you fail to pay the loan back as agreed, they take the item(s) you bought with the loan back and never loan to you again. Oh and before anyone says something like "why don't you borrow the money from a fellow clanner", no one in Lands would be particularly inclined to cough up their hard earned coin for someone else, particularly when it is a sum on the order of 5, 10 or 20k.
As Cammie points out, it is a lot easier to pay small sums over a period of time than it is to spend months or years to save the lump some needed for something.
Just a thought.