Magic Tower Starry Sky

Due to the rules and methods of using the bank, it was put on the forum early and spread wildly among the residents of the holy city of Estali. So the first batch of elves who came to work in the bank did not actually work like someone imagined. They kindly explained to those who came to the bank for the first time or those who were not familiar with banking business what they could do and the steps.

Their job is more like security at a bank, suppressing people queuing up to get angry, or taking the trouble to explain some unreasonable troubles, or things they can't do anything about.

The most common question, of course, is the one: "Why can only the Great Sacred Emblem be used to activate personal accounts and withdraw money, instead of being able to use it anywhere, regardless of the shape of the Sacred Emblem like depositing money?"

The explanation at the beginning of the elves must be this sentence: "In this case, the thieves and robbers must be very happy. Because you seem to have all your wealth with you, waiting for their patronage. Is it really good to do this?"

Then the person who asked the question usually misfired.

Safety and convenience are like the two ends of a tug-of-war. Even on an earth where people have lived across the world, the popularity of convenience is based on strict security mechanisms and a stable social environment, both of which are indispensable.

If personal safety is threatened at any time, can the security mechanism be expected to play any protective role? Just like the "firewall" theme in Hollywood movies starring Harrison Ford, no matter how powerful the firewall and rigorous security mechanism are, people are its weakness. In reality, problems of security gaps caused by user negligence abound.

Unfortunately, however, there is no 'stable' social environment in Midi. Going from one city to another, it is possible to pass through the territory of monsters and become the food of natural creatures. This kind of world has nothing to do with "safety" at all, let alone the inside and outside of thieves, robbers, and traitors. collusion and so on. So Lin didn't want to bother designing any security mechanism at all.

If Ke Yin is really open and can withdraw money anywhere, then no matter how safe the security authentication mechanism is designed, if a living person is tied to the suburbs and tortured with various tortures, people can willingly empty their accounts and dedicate them to the kidnappers. uncle.

Even if someone gritted his teeth and tried his best, this is a magical world. Various mind-control magics emerge in endlessly, and one of them will always work. Then the result is still the same, that is, all the net worth is emptied. This point, even a great magician, may not be immune.

The strength of great magicians is just to ensure that they can fight well, not to guarantee that they will not die or be caught. If one is not careful, or does mental calculations without intention, no matter how powerful a magician is, it may capsize in the gutter.

Therefore, when convenience and safety are placed at both ends of the balance for people to choose, as long as they are normal-minded people, they will choose safety.

As for the inheritance mechanism of the personal account 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 that of a transfer, which is five ten-thousandths, unlike the inheritance money of nobles.

In the lost land of this era, there is no inheritance tax. Most people don't need it either, because no legacy of value will be handed down.

But nobles or manor owners are different. They have land, fiefs, and titles. When the original owner dies, if his heir wants to protect his rights, of course he has to find his own lord to approve it. In order to obtain this recognition, a large inheritance fee must be paid.

There is no fixed amount of inheritance money, it depends on your heart. However, this kind of mind-seeking thing is the most troublesome. Anyway, it is impossible to get recognized easily without bleeding. Without the approval of the monarch, the most serious thing is that the land and fiefs will be deprived and transferred to other people.

On Earth, even in modern times, it is nothing more than turning this inheritance money, which is determined by one's will, into an inheritance tax with a prescribed ratio. As long as people die, they cannot survive. There was even a period of time when Eagle Kingdom’s inheritance tax for nobles was as high as 80%. It can be said that as soon as a person dies, the family property is almost confiscated.

Those bigwigs who are well-known in the Forbes wealth list claim to donate all their property and will not let their children inherit it. Just listen to that kind of words. They just use the foundation to avoid paying inheritance tax. After all, the inheritance tax of Meidi is 50%. It means that as long as a person dies, half of the property will be taken by the government. How could the 'really' rich allow such a thing to happen.

But! The Goddess of Gold Coins herself has no need for gold coins.

Because if the goddess of gold coins increases her power by collecting gold coins, her behavior of collecting money will only prompt human beings to look for trading media or means other than coins, thus cutting off the foundation of the existence of the goddess of gold coins. It is impossible to collect all the coins in the world and finally become the **** of gods. That would only destroy Himself.

So the way for Ke Yin's power to grow should be to strengthen his power through the circulation of money, which is the route Lin planned for him. Under such a premise, if the original owner dies, his assets will be frozen in the Kingdom of God. This kind of thing that the banks of the earth would like to ask for is not good for the goddess of gold coins.

On Earth, such unowned accounts are effectively equivalent to small banks' vaults. Nominally waiting for someone to come forward to claim that he has legal inheritance rights, but on the other hand, he is covering up and preventing people from checking the accounts. The most famous thing is that during World War II, a certain nation had a large number of accounts in Swiss banks. Because of the massacre of a certain madman, the money became the bank's unexplainable taboo.

But that's not what the gold coin goddess needs. Coupled with the binding of personal accounts and souls, when a person's soul disappears, Ke Yin can certainly detect who is dead. Then the deposit in his account will be transferred to the account of his heir or designated object after a certain period of time, and only the transfer fee will be deducted.

The reason why it takes a while to act is because the lost land can be resurrected. It would be ridiculous if people were resurrected and property was first divided up as inheritance. On the contrary, even if a person dies, as long as the soul still exists, that 'person' must have access to the money in the bank account. This represents the bank rights of undead, undead, and liches, which are also protected by Ke Yin.

In short, such a design is for the goddess to keep the flow of money alive and not stagnate in a certain place. The more troublesome part is the identification of successors and designees, and whether to protect the basic rights of blood successors.

For example, when I was on Earth, I heard that a certain uncle, under the certification of a lawyer, assigned his property to a little vixen who came out of nowhere. As a result, his wife and biological children could not get a single child. .

Or give all the property to a certain child, and the other children will not get half a dime. In fact, the law usually guarantees the inheritance share of direct blood relatives, and you can go to court to get back what you should get.

But Midi itself has rules about inheritance. Although there are slight differences from place to place, Lin still decided to leave this piece to the Midi people to discuss themselves. Because this thing is something that has no standard answer, no matter how it is done, the party that suffers will scold it. It's better to throw this hot potato to others to worry about.

In short, the problem of only using Ke Yin's Great Sacred Emblem to withdraw money was accepted by the lost people.

In fact, in Lin's plan, various functions will be opened one after another, but there is no rush to open them at the same time. Because people's usage habits will change and adapt, if it suddenly becomes too much and too fast, and there is a situation of maladaptation, it will bring disaster.

For example, in my memory, when plastic currency such as credit cards 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 maxed out the credit card, but also fell into the **** of using the card to support the card, and eventually became a card slave, that is, a person who owed a huge debt because of the credit card.

In the same situation, if the bank I promote suddenly opens up too many functions that I was used to before the time travel, it is very likely that I will overwhelm the fragile economy in one go. This does no one any good.

In fact, when Lin reviewed his actions for a while, he unexpectedly realized that he seemed to have avoided a crisis unintentionally. That is because of the possible inflation caused by exchanging new and old coins.

asxs/view/145366/"The Immortal"

Inflation does not mean rising prices. Rising prices are only the result of inflation, not all the reasons for rising prices are caused by inflation.

In an environment where the economic volume is equal to one hundred yuan, a currency of one hundred yuan is issued, and a person holding ten yuan can spend one yuan to buy goods worth one yuan. But when the economy is only 100 yuan, and 200 yuan of currency is issued, then people have to pay 2 yuan to buy the same product. For this person who only holds ten yuan, it means that things have become more expensive, and one yuan has become two yuan.

Strictly speaking, this cannot be regarded as things becoming more expensive, but money becoming thinner.

Originally, Lin designed the good imperial currency to be exchanged for the new currency, and the exchange ratio 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 exchanging coins ~www.wuxiamtl.com~ is actually slightly reduced, because the goddess of gold coins took away the storage fee, but the number of coins finally calculated increased.

Such a situation may have caused the consequences of inflation. But in the end nothing happened! Someone recalled this passage afterwards and was honestly terrified.

Afterwards, we reviewed the possible reasons, one of which is that, as the largest manufacturer complex in the holy city of Estaria, the Technology Guild did not change its pricing and valuation figures during this period. In addition, all small businesses that produce basic necessities of people's livelihood, such as bakers, butchers, fishmongers, etc., maintain the sales amount of their products, stabilizing the market.

Second, although the exchange rate of good currency to new currency has increased, the exchange of bad currency has decreased, and the exchange rate of ordinary currency is even closer to the one-to-one ratio. When the number of coins exchanged increased and decreased, although the property of the residents of the Holy City increased as a whole, they did not think that the value of coins had 'changed'.

Not to mention that precious metal currency itself has value, not paper money, only numbers. Therefore, when people sell goods, they still maintain the same pricing as in the past. Because they believe that the value of precious metals that can be received is unchanged.

All in all, it's a good thing. Lin can only sigh, ignorance is bliss.