I could not find a way to explain this in a simple way in the title, so I'll have to explain it here.
Lately I've noticed (like a lot of other people) that the Loans section is a popular place for scammers. As the case of Panic showed, the current restrictions are far from a guarantee.
Now, I have an idea that might make it less likely to get scammed.
Basically, when you take out a loan, you give the person who gave you the money something to hold onto until you repay the loan. This should be of roughly equal value (though ideally slightly less).
This can be a build, an account (though I don't recommend it), server files for the larger loans, CS:GO skins for smaller ones. You get the point
If the Loaner runs off with the product, they won't get their money back AND will be eligible for a scam report. Of course there is still a risk of charging back, but that cannot be countered short of invoices, which are unlikely for most loans.
If the Loanee runs off with the money, the Loaner has something of nearly equal value to compensate and can still open a scam report. Charging back in THIS case is also an option, depending on circumstances.
This way, scammers will be discouraged from scamming with loans, as they have to obtain something of roughly equal value before being able to take out a loan. This makes it a LOT more difficult to scam someone out of their money.
Of course, it would still be allowed to give out loans without requiring this, but it would result in you putting yourself at risk of scammers.
With investments, this is a different matter.
What I recommend for investments is that the person asking for the investment puts their service as a guarantee.
For example, if I was to get a total of $1000 investments for a server, I'd put my terraforming service up as guarantee.
Should it fail, I would offer to pay back a % of the amount each person invested through my service.
If someone paid $60, I'd offer to make them a warzone worth $30-40 for free. That way, they'd feel safer investing, since if it failed they'd at least get PART of their money back.
Lately I've noticed (like a lot of other people) that the Loans section is a popular place for scammers. As the case of Panic showed, the current restrictions are far from a guarantee.
Now, I have an idea that might make it less likely to get scammed.
Basically, when you take out a loan, you give the person who gave you the money something to hold onto until you repay the loan. This should be of roughly equal value (though ideally slightly less).
This can be a build, an account (though I don't recommend it), server files for the larger loans, CS:GO skins for smaller ones. You get the point
If the Loaner runs off with the product, they won't get their money back AND will be eligible for a scam report. Of course there is still a risk of charging back, but that cannot be countered short of invoices, which are unlikely for most loans.
If the Loanee runs off with the money, the Loaner has something of nearly equal value to compensate and can still open a scam report. Charging back in THIS case is also an option, depending on circumstances.
This way, scammers will be discouraged from scamming with loans, as they have to obtain something of roughly equal value before being able to take out a loan. This makes it a LOT more difficult to scam someone out of their money.
Of course, it would still be allowed to give out loans without requiring this, but it would result in you putting yourself at risk of scammers.
With investments, this is a different matter.
What I recommend for investments is that the person asking for the investment puts their service as a guarantee.
For example, if I was to get a total of $1000 investments for a server, I'd put my terraforming service up as guarantee.
Should it fail, I would offer to pay back a % of the amount each person invested through my service.
If someone paid $60, I'd offer to make them a warzone worth $30-40 for free. That way, they'd feel safer investing, since if it failed they'd at least get PART of their money back.
- Type
- Suggestion
- Status
- Denied
