Due to the rules and methods of using the bank, it was put on the forum early and went viral among the residents of the holy city of Estari. Therefore, the first elves who came to work in the bank did not actually work as someone imagined, and they were kind enough to explain what they could do and steps to people who came to the bank for the first time or were not very familiar with the banking business.

Their job is more like bank security, specifically suppressing people queuing up to get on fire, or going out of their way to explain things that are vexatious, or there is nothing they can do about it.

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

The elves' explanation must have been: "In this case, the thieves and robbers must be happy." Because it's like you're taking all your wealth with you, waiting for them to visit. Is it really good to do this? ”

Then the person asking the question is usually dumbfounded.

Safety and convenience are like the opposite end of a tug-of-war. Even if a person has traveled to the world where he has lived, the popularity of convenience is based on a strict security mechanism and a stable social environment, both of which are indispensable.

If personal safety is threatened at any time, can we expect the security mechanism to play any protective role? As with Hollywood movies, Harrison? The theme of 'firewall' starring Ford is that no matter how strong the firewall and strict security mechanism are, people are the same as its weaknesses. In reality, there are many problems caused by security gaps due to user negligence.

Unfortunately, there is no such thing as a 'stable' social environment. Traveling from one city to another, it is possible to pass through the territory of the monster and become the food of natural creatures, such a world has nothing to do with 'safety' at all, not to mention the internal and external collusion of thieves, robbers, and moles. So Lin didn't want to bother designing any security mechanisms at all.

If Ke Yin is really open and can withdraw money anywhere, then no matter how safe the security authentication mechanism is, tying up a living person to the suburbs and using all kinds of torture can make people willingly empty their accounts and dedicate them to the kidnapper.

Even if someone grits their teeth and holds on, this is a world of magic, and all kinds of mental control magic emerge in an endless stream, and there is always one that works. Then the result is still the same, that is, all the net worth is hollowed out. Even the great magicians are not necessarily immune to this.

The strength of the great mages is only to ensure that they are very capable of fighting, not to guarantee that they will not die or be caught. A careless, or unintentional, no matter how powerful a magician is, may capsize in the gutter.

Therefore, when convenience and safety are placed at both ends of the scale for people to choose, as long as they are in their right minds, they will choose security.

As for the inheritance mechanism of personal accounts in the event of the death of the holder, someone has already considered it. Death inheritance is regarded as a transfer, which means that Keyin will only charge a handling fee equivalent to the transfer, that is, 5/10,000, unlike the inheritance money of the nobles.

In this era, there was no name for inheritance tax. Most people don't need it, because there will be no valuable legacy to pass on.

But the nobles or the lords of the manors were different, they had land, estates, and titles. When the original owner dies, his heirs want to protect their rights, of course, they have to find their own feudal lord to recognize them. In order to obtain this recognition, a large inheritance money must be paid.

There is no fixed amount of inheritance money, it depends on the heart. However, this kind of thing that looks at the heart is the most troublesome, anyway, it is not much bleeding, and it is impossible to be easily recognized. If it is not approved by the feudal monarch, the most serious thing is that the land and mining will be deprived and transferred to others.

Even in modern times, it is just a matter of turning the inheritance money, which is determined by the will, into a prescribed percentage of inheritance tax. As long as a person dies, he is not immune. There was even a time when the Eagle Nation imposed an insane 80% inheritance tax on the nobility. It can be said that as soon as a person dies, the family property is almost confiscated.

Those bigwigs who are on the Forbes wealth list claim to donate all their property and will not let their children inherit it, just listen to that kind of thing. They just use the foundation to avoid paying inheritance tax, after all, the inheritance tax of Magnesium Emperor is 50%. This means that as soon as a person dies, half of his 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 act of collecting money will only prompt human beings to find a medium or means of exchange other than coins, and thus cut off the foundation of the existence of the goddess of gold coins. It is impossible to collect all the coins of the world and eventually become a god on a god. That would only destroy Himself.

Therefore, the way for Corn's power to grow should be to strengthen his power through the circulation of money, which is the route that Lin has planned for him. Under such a premise, if the original owner dies, his assets will be frozen in the kingdom of God, and this kind of thing that the bank of the earth will ask for is not good for the goddess of gold coins.

On Earth, such ownerless accounts are effectively equivalent to the small coffers of banks. Nominally, they are waiting for someone to come forward to assert their legal inheritance rights, and on the other hand, they are secretive and do not let people check the accounts. The most famous is the large number of accounts of a certain people in Swiss banks during World War II, because of the massacre of a certain madman, which became an unspeakable ban on the bank.

But that's not what the Goddess of Gold 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 person after a certain period of time, and only the transfer fee will be deducted.

The reason why I have to wait a while to move is because the lost land can be resurrected. Wouldn't it be funny if people were resurrected and their property was divided up as an inheritance. On the contrary, even if a person dies, as long as the soul still exists, that 'person' will definitely have access to the money in the bank account. This represents the banking rights of the undead, the undead, and the lich, which are also protected by Coyin.

In short, such a design for the goddess is to keep the flow of money alive and not to stagnate somewhere. The more troublesome part is the identification of the heir and the designated person, and whether to protect the basic rights of the blood heir.

For example, it is heard from time to time on the earth that a certain uncle, under the certification of a lawyer, assigned his property to a little vixen who appeared out of nowhere, and as a result, his wife and biological children could not get any of them.

Or give all the property to one child, and the other children don't get half a dime. In fact, the law usually guarantees the inheritance share of the direct blood relative, and you can go to court to get back your share of the inheritance.

However, the land itself has rules about inheritance. Although there are slight differences in different places, Lin still decided to leave this piece to the fans to discuss by themselves. Because this thing is something that has no standard answer, no matter what you do, the one who suffers will be scolded. It's better to throw this hot potato to others to worry about.

In short, the question of only using Keyin's Great Holy Emblem to withdraw money was still accepted by the Lost People.

In fact, in the planning of the forest, various functions will be opened one after another, but there is no hurry to open them at the same time. Because people's habits change and adapt, if they suddenly become too much, too quickly, and there is a situation of maladaptation, it will bring disaster.

For example, in my memory, when plastic money such as credit cards first entered the society where I lived before I crossed over, there were a bunch of people who mistakenly believed that the convenience brought by deferred payment was their own spending power. So not only did they max out their credit cards, but they also fell into the hell of using cards to raise cards, and eventually became a card slave, that is, people who owed huge debts because of their credit cards.

In the same situation, if the bank you are promoting opens up too much at once, it is a function that you are accustomed to before the crossing, and it is very likely that you will lose the fragile economy in one go. It's not good for anyone.

In fact, Lin reviewed what he had done for a while, and unexpectedly realized that he seemed to have inadvertently avoided a crisis. That's because of the inflation that can be caused by exchanging old and new coins.

asxs/view/145366/"The Legend of the Fairy Tree"

Inflation does not equal rising prices. Rising prices are only the result of inflation, and it does not mean that all the causes of rising prices are caused by inflation.

In an environment where the size of the economy is equal to one hundred dollars, a hundred dollars of currency are issued, and those who hold ten dollars can spend one dollar to buy goods worth one dollar. 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 commodity. For this person who only holds ten yuan, it is that things have become more expensive, and one yuan has become two yuan.

Strictly speaking, this is not that things have become more expensive, but that money has become thinner.

Originally, the exchange ratio of the imperial good money designed by Lin for new coins was as high as 1.2 to 1.3, which gave many people the illusion of increasing wealth. However, calculating the total weight of precious metals held by each person before and after the exchange of coins is actually slightly reduced, because the goddess of gold coins has taken away the storage fee, but the number of coins calculated in the end has increased.

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

One of the possible reasons for this was that the Technology Guild, the largest producer complex in the holy city of Estali, did not change its pricing and valuation figures during this time. In addition, all small businesses that produce basic necessities for people's livelihood, such as bakers, butchers, fishmongers, etc., maintain the sales amount of their own goods and stabilize the market.

Second, although the exchange of good money against new currency has increased, the exchange of bad currency has decreased, and the exchange of ordinary money is close to the ratio of one to one. While the number of coins increased and decreased, the inhabitants of the Holy City did not consider the value of the coins to have 'changed', although their wealth increased as a whole.

Not to mention that the precious metal currency itself is valuable, not paper money, only numbers. That's why people sell their goods at the same price as in the past. Because they believe that the value of the precious metal that can be received is constant.

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