by Gregor Egerton » Sun Oct 03, 2021 3:52 pm
The reason banks in the real world produce interest, is because the money that gets deposited there is then invested in the from of bank loans. Some players already offer incentives for depositing money in their banks, although not many. If there was to be an interest system in banks, it should be paid by the player who owns the bank as an incentive to deposit there, as a setting of the bank (like how there is a setting for transfers), and players should not feel a necessity to set it above 0%.
The rational behind interest being generated by buried treasure (to my mind) is that whatever currency or valuable is buried, after a sufficiently long time, will have become more rare or valuable than when it was first buried. As an example: say I buried a gold $20 coin from 1853, that coin is worth $36,000 today, at least in part because gold is worth more today. There is also certainly inflation to consider, but I don't think it accounts for everything. What the exact game mechanic to represent this is, I don't know.
Just my two cents.
-The man without a Zauberer