Because the rules and methods of using the bank were put on the forum early and spread wildly among the residents of the holy city of Estali. Therefore, the actual work content of the first batch of elves who came to work in the bank did not look like
Someone's imagination, amiably explaining things and steps they can do to people who are coming to the bank for the first time, or who are not very familiar with banking services.
Their job is more like security at a bank, specializing in suppressing people who get angry while waiting in line, or taking the trouble to explain things that are unreasonable or that they can't do anything about.
The biggest question is, of course, the one: "Why can only the Great Holy Emblem activate a personal account and withdraw money, instead of being able to use it anywhere regardless of the shape of the Holy Emblem like depositing money?"
The elves' explanation at the beginning must be this sentence: "In this case, thieves and robbers must be very happy, because it is like you are carrying all your wealth with you, waiting for their patronage. Is it really good to do this?"
Then the person asking the question usually becomes silent.
Security and convenience are like two ends of a tug-of-war. Even on the earth where people from time travel have lived, the popularity of convenience is based on a strict security mechanism and a stable social environment. One of the two is missing.
No.
If personal safety is threatened at any time, can we expect the security mechanism to play any protective role? Just like the theme of the Hollywood movie "Firewall" starring Harrison Ford, no matter how powerful the firewall and rigorous security mechanism are, people are the same.
This is its weakness. In reality, security breaches are common due to user negligence.
Unfortunately, there is no 'stable' social environment in Lost Land. When traveling from one city to another, you may pass through the territory of Warcraft and become a food for natural creatures. Such a world is basically the same as '
Security has nothing to do with it, let alone internal and external collusion among thieves, robbers, traitors, etc. So Lin didn't want to bother designing any security mechanism at all.
If Ko Yin is really open to withdrawing money from anywhere, then no matter how safe the security authentication mechanism is designed, if a living person is kidnapped in the suburbs and tortured in various ways, people can willingly empty their accounts and give them to the kidnappers.
uncle.
Even if some people grit their teeth and hold on, this is a world of magic. There are all kinds of mind control magics emerging in endlessly, but there is always one that works. Then the result is still the same, that is, all the wealth is wiped out. In this regard, even with big magic
Teachers may not be immune.
The strength of a great magician only ensures that they can fight well, but it does not guarantee that they will not die or be caught. If they are not careful, or make mental calculations, no matter how powerful the magician is, they may capsize in the gutter.
So when convenience and security are placed at two ends of the scale for people to choose, anyone with a right mind will choose security.
As for the inheritance mechanism of personal accounts when the holder dies, someone has already considered it. Death inheritance is regarded as a transfer, which means that Ke Yin will only charge a handling fee equivalent to the transfer, which is five ten thousandths, and
It's not like inheritance money from aristocrats.
In this era of mystery, there is no such thing as inheritance tax. Most people cannot use it because no valuable inheritance will be passed down.
But it's different for nobles or manor owners. They have land, fiefs, and titles. When the original holder dies, his heirs want to protect their rights, and of course they have to find their own lord to recognize them.
.In order to obtain this recognition, a large amount of inheritance money must be paid.
There is no fixed amount of inheritance money, it just depends on your heart. However, this kind of thing based on your heart is the most troublesome. Anyway, it is impossible to get recognition easily without bleeding a lot. If you don't get the approval of the feudal lord, the most serious thing is that the land and fief will be deprived.
Forward to others.
On Earth, even in modern times, it is just a matter of turning this inheritance money, which is determined by one's heart, into an inheritance tax with a prescribed proportion. As long as a person dies, he cannot be spared. There was even a period of time when the Eagle Kingdom imposed an inheritance tax on the nobles.
As high as 80% of the insane amount. It can be said that as soon as a person dies, the family property is almost confiscated.
Those big guys who are on the Forbes wealth list claim that they will donate all their property and will not let their children inherit it. Just listen to that. They just use foundations to avoid paying inheritance taxes. After all, Magnesium Emperor’s
The inheritance tax is 50%. This means that as soon as a person dies, half of the property will be taken away by the government. How could those 'really' rich people allow such a thing to happen?
But! The Gold Coin Goddess herself has no need for gold coins.
Because if the Gold Coin Goddess increases her power by collecting gold coins, her money-making behavior will only prompt humans to look for trading media or means other than coins, thereby cutting off the foundation of the Gold Coin Goddess' existence. The kind of money that collects all the world's coins.
, it is impossible to ultimately become the God of Gods. That would only destroy Himself.
Therefore, the way for Coin's power to grow should be to strengthen its power through the circulation of money, which is the route planned by Lin. Under this premise, if the original holder dies, his assets will be effectively destroyed.
Being frozen in the Kingdom of God, something that the Earth's bank would want, is not good for the Gold Goddess.
On Earth, this kind of ownerless account is actually equivalent to a bank's small vault. In name, it is waiting for someone to come forward to claim that it has legal inheritance rights. On the other hand, it is secretive and prevents people from checking the account. The most famous one is Mo
During World War II, a certain ethnic group had a large number of accounts in Swiss banks. Due to the massacre committed by a certain madman, the money became unexplainably prohibited by the bank.
But this is not what the goddess of gold coins needs. Coupled with the binding of personal accounts and souls, when a person's soul disappears, Ke Yin can certainly detect who has died. Then the deposits in his account will be stored for a certain period of time.
Then transfer it to the account of his heir or designated object, and only the transfer fee will be deducted.
The reason why we have to wait for a period of time before taking action is because the lost land can be resurrected. If a person is resurrected, the property will be divided up as inheritance first, that would be funny. On the contrary, even if the person dies, as long as the soul remains
existence, that 'person' can definitely use the money in the bank account. This means that the banking rights of the undead, undead, and lich are also protected by Koin.
In short, for the goddess, this design is to keep the money flow alive and not stagnate in one place. The more troublesome part is the identification of the successor and the designated person, and whether to protect the blood heir.
Basic rights.
For example, I heard on Earth that a certain man, with the certification of a lawyer, assigned his property to a little vixen who appeared out of nowhere, and as a result, his wife and biological children did not receive a single penny.
.
Or a situation where all the property is given to a certain child, and the other children receive less than half a cent. In fact, the law usually guarantees the inheritance share of direct blood relatives, and you can file a lawsuit to get back the portion you should get.
However, the Midland itself has its own rules about inheritance. Although it is slightly different from place to place, Lin decided to leave this issue to the Midlands themselves to discuss. Because this thing is something that has no standard answer. No matter how you do it, you will suffer a loss.
Both parties will scold you. Why not leave this hot potato to others to worry about.
In short, the issue of withdrawing funds only using Ke Yin's Great Holy Emblem was still accepted by the Midi people.
In fact, in Lin's plan, various functions will be opened one after another, but there is no rush to open them all at the same time. This is because people's usage habits will change and adapt. If there are too many functions suddenly, too fast, maladaptive problems will occur.
situation, it will bring disaster.
For example, in my memory, when plastic currencies such as credit cards first entered the society I lived in before time travel, a lot of people mistakenly believed that the convenience brought by delayed payment was their own spending power. So not only did they max out their credit cards, but they also
Falling into the hell of using your card to support your card, you eventually become a card slave, that is, a person who owes huge debts due to credit cards.
In the same situation, if the bank you promoted suddenly opened up too many functions that you were accustomed to before time travel, it is very likely to overwhelm the fragile economy of the world in one breath. This is not good for anyone.
No benefit.
In fact, when Lin reviewed his actions these days, he unexpectedly discovered that he seemed to have inadvertently avoided a crisis. That was the possible inflation caused by the exchange of old and new coins.
Inflation does not mean rising prices. Rising prices are just the result of inflation. It does not mean that all causes of rising prices are caused by inflation.
In an environment where the economic size is equal to one hundred yuan, if one hundred yuan of currency is issued, a person holding ten yuan can spend one yuan to purchase goods worth one yuan. But when the economic size is only one hundred yuan, the issuance
If you have two hundred yuan of currency, then a person must pay two yuan to buy the same product. For this person who only holds ten yuan, things have become more expensive, one yuan becomes two yuan.
Strictly speaking, this cannot be regarded as things becoming more expensive, but rather money becoming thinner.
Originally, the exchange ratio of the imperial good coins designed by Lin was as high as 1.2 to 1.3, which gave many people the illusion of increased wealth. However, calculating the total weight of precious metals held by each person before and after the currency exchange, in fact
It was slightly reduced because the storage fee was taken away by the Gold Coin Goddess, but the number of coins finally calculated increased.
Such a situation might have caused the consequences of inflation. But in the end, nothing happened! When someone recalled this episode afterwards, he was honestly frightened.
After reviewing the possible reasons, one of them is that the Technology Guild, the largest manufacturer complex in the Holy City of Estali, did not change its pricing and valuation figures during this period of time. With this, the
All small businesses that produce basic necessities for people's livelihood, such as bakers, butchers, fishmongers, etc., have maintained the sales volume of their products and stabilized the market.
The second is that although the exchange rate of good currency for new currency has increased, the exchange rate of bad currency has decreased, and the exchange rate of ordinary currency is close to the ratio of one for one. When the number of currency exchanges increases and decreases, although the residents of the Holy City
Their property has increased overall, but they do not think that the value of money has 'changed'.
Not to mention that precious metal currency itself is valuable, not banknotes, only numbers. Therefore, when people sell goods, they still maintain the same pricing as in the past. Because they believe that the value of the precious metal they can receive remains unchanged.
In short, this is a good thing. Lin can only sigh, ignorance is bliss.