loaning money with any interest whatsoever is evil, no matter how one is to paint it.
Wait, what? You said Maurice was talking there, and not you, but I'm not sure if I should take that seriously.
If you want an explanation of where it's not evil, here: Say we have a newbie specialised in CON. They get five tokens to start, and might buy, say, a sharksuit as armor and a laser rifle as a weapon.
BUT, we could offer them a loan; they get four extra tokens now, in exchange for five tokens being deducted from their next paycheck. Now, they can buy a Spectr (five tokens), the armor (3), and perhaps a handful of grenades, or a pill, or even something rented from the TF, like an MCP.III (1). They have a better chance of performing well on-mission, due to better equipment, and therefore will probably make more than they otherwise would, offsetting the slight interest they have to pay. Plus, they won't have to waste a token later, by selling the lasrifle and replacing it with a Spectr.
could there perhaps be another way where team fund could loan tokens without charging any interest, and also gain tokens over time?
Well, sure, Two've been mentioned already. First one is buying anything that's sold for 50%, and then reselling it to players at something like 75%; still a discount for them, still a gain for the TF.
There's also the renting idea, which gains money at no risk, at least most of the time.
So that characters that have any excess of tokens could deposit them in the team fund where other teammates could borrow - and then return, and then maybe also deposit - all without any interest whatsoever, neither for deposit nor for credit?
The problem with this is that whether it's voluntarily relinquishing control of tokens, or using all free tokens currently available, it isn't sustainable.
The former relies entirely upon goodwill and selflessness, which I frankly have no faith in and therefore believe it can't work.
The latter is... well, literal communism, which has been proven to fail plenty of times. To be more exact though, it'd fail because people wouldn't be able to always get their tokens back when they wanted them, and because people would probably over-buy more than their share. Fights and arguments would break out over whether or not buying a high-price gun over a low-price gun is more efficient, and that isn't good. Plus, not everyone would like to relinquish control over their own tokens, even if it somehow worked well.
And then if anything happens the fund could always gain tokens by selling the equipment of deceased teammates. It's not like many people make last wills in our 'line of work', right?..
Yeah, that can work to keep the TF running, if Radio continues with his minimum-spending policy. It just means that newbies'll continue to be overshadowed by vets, and the rich will continue to have the majority of wealth because they're the competent, well-equipped ones capable of getting wealth in the first place.
Also, I just understood that if this is not the approach team fund leadership takes and actually on the opposite, I am probably willing to try and create a parallel 'Revolutionary Fund' with that aim in mind. At the very least to try and create a separatist 'non-Miyamoto's inconvenient pile of stuff'.
Funny, my original plan with that money Hapah gave me was to start a bank of Hephaestus, to make money for Hephaestus interests. Radio convinced me that it was redundant with the Team Fund, which's why I donated to it.
Is it ironic that you're Russian and I'm American? I'm not quite sure.