Animal Crossing is now Lillian's favorite game by miles. All the fun of running around picking up things in forests from Zelda, none of the scary goblins, and very forgiving of players basically new to video games. (Limited simultaneous input manipulation required, etc.)
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I wonder whether people's enjoyment of this game depends on whether you see the raccoons as rapacious landlords exploiting the players' labor or as gentlemen of poorly-explained means who enjoy subsidizing wilderness-themed island adventures as a way of giving back to community.
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On a less joking level, isn't it just a brilliant game design to invert the standard "Accumulate X resources to unlock Y content" progression treadmill? "Here's Y. You now owe us X resources. If you pay off this Y, which you'll feel invested in, more gifts more loans!"
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That might be the most brilliant game design decision since WoW replaced their fatigue meter (50% penalty to XP gain after you play for a while) with the rested meter (100% bonus to XP gain for a limited time after you play for a while; double all XP costs).
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*gain for a limited time, resets after you *don't* play for a while Anyhow: same mechanic, different framing, *entirely different* player response due to psychology. "Rest doesn't punish hardcore people for playing like fatigue did, it's just giving casuals a bit of a boost!"
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End of conversation
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If the government had a banking monopoly and interest-free mortgages were a public good then it could subsidize the lost risk coverage with property taxes, maybe? I ask because "realistic" is a low bar. An idea only needs to be good enough to convince someone to try it.
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aren't there countries with negative interest mortgages, 0 doesn't seem that unrealistic when negatives are real.
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I have 0 knowledge of it but I believe Islamic banking is interest-free https://en.wikipedia.org/wiki/Islamic_banking_and_finance …
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