Kennewick ponders deeply for a moment as he puts another stone down, "Hmm... I'm not certain that benevolent society is the best word. You are familiar with Imperial Banks, correct? The fact that they are mere holders of money, and do not lend it, is perhaps their greatest weakness. For a very long time, if one needed money, you would have to do one of three things: work for it, ask a local nobleman, or steal it. Now, this may not be the worst of problems, but it's not tapping a resource that we already have... What does a pile of gold do while in an Imperial Bank? Nothing, well, actually, it slowly decreases due to protection fees if left alone. It's my belief that the money that sits in the banks can be put to work, so to speak, that we can give people with a strong business sense loans. Those loans can then be used by the person to create an entirely new business, or way of making money. While he's doing this, his debt would slowly be paid off over time plus a percentage added on for our benevolent risk taking. Essentially, we would loan money to people who might never have been able to get a loan from a rich merchant, bureaucrat, or petty aristocrat."
As Kaufman places his piece, the gnome continues, "Once we have a core of strong businesses paying us a steady stream of income, we can use that income to give more loans and make more money. At the same time, we'll be improving the lives of these people while we make a tidy sum for ourselves!"
Kennewick grabs an Imperial book from the stack titled Risk and Reward: Gnomish Banking in Perspective, and starts to talk excitedly, "It's all right here! Think of it, if we're able to make sure that the businesses that these people start make money reliably, not only can we better the lives of our customers, but also ourselves! It's brilliant, and I wonder why people didn't think of this sort of thing before!"
Nolan rolls his eyes, "It's because not everyone is going to be able to pay back the loan. I bet there would be a lot of people out there that would just run with the money you give them! Even if they didn't, what would you do if they couldn't? Beat them? Kill them? How would you get your money back then, eh?"
Kennewick stopped dead in his tracks, he muttered a gnomish curse to himself and searched for words in vain.
Mischa put his leather coat on and sighed, "All that would be necessary would be to make sure that they understand that we're taking a risk, and that the debt must be paid -- whether through gold or labour. We have them sign legal contracts, and we pay the Empire a good fee to accept and enforce those contracts."
Nolan groaned and let his head hit the table, "Oh, don't bring the Empire into this! They'll just leech all of the money out of you! They're not too fond of the little folk, or haven't you noticed?"
Mischa shrugged, "Everyone has their price."
Nolan stopped, and pondered. After a moment, he nodded, "I suppose you're right..."
Kelly leaned toward Marec quietly and whispered, "I wouldn't worry about that, as far as we're concerned this Union will have teeth. We'll be able to defend ourselves from the predators out there -- if not by the Empire's law, then by our own hand. We're not sheep sent out among the wolves, oh no, we're most definately something else, like a bull or a bear even... Yeah! A bear sounds like a good one."
Haley smiles and takes a bit of cheese, and as she nibbles on it, she shrugs, "Oh I'm not certain exactly, but I can tell you that it won't be as benevolent as Kennewick thinks it might be. People are just too greedy to want to make good on old debts, they'll try and cheat us, and I'm afraid we might have to punish them..." Haley studies the cheese, "This is good. Not any kind of cheese that I've ever had. Where did you get it?"
Shortly after speaking to Marec, Kelly returns to the game and shrugs in Brenodan's direction. "The hope of a better life, really. I mean, my brother's always been skeptical of everything, but I'm not. Kennewick walked me through how they're going to do that whole lending thing and it seems like it could work with the right enforcement. I mean, what we'd be doing is definately a good thing, but I'm fully aware of the fact that there will be people who will try to abuse our kindness. Those people would need to be punished. Whether by the Imperial Constabulary, or by us, I don't really care... There are far too many poor halflings, and gobbos, and gnomes -- and even dwarves, well, the ones who live outside the dwarven realm -- that are far too skilled to be poor. It might be Kennewick's gnomishness rubbing off on me, but I think people should be measured by their merit, not by their creed or station."
Mischa looks at Tobius as Mongrés steps by him and out the door, "I suppose we should catch up with him, friend."