Honestly, for my opinion I believe the OSI should be like the CIA in a sort of sense in that it's very fucking corrupt, does jack shit to actually help the community, and just abuses its power but obviously below the other departments as mentioned. It allows corruption to occur, as long as it...

Well, there are rules in place to prevent the transfer items and money to another character (that they own). So if they want to do that it would already be illegal to do so. I do understand, they are indeed risks to this like there would be with this such as alt factors, so perhaps new rules...

Yeah the banking idea in itself could go, I was more thinking of an all-digital thing to mostly be affected towards shop owners. Loans would encourage people to make hefty purchases, and also start businesses in general. I believe it should be something that has to be approved by CWU or CPs...

Rather than having a system where credits are stored and they are used to buy items. You could go into "debt" with this In-Depth banking system, basically making a credit and debit type system. People could go into "debt" for buying expensive items and they have a certain amount of time to repay...