A series as touted for "role-playing" as TES is there is no reason not to have weighted currency and banks. Its not like you have to use banks, and weight would give the coin actual value to the player, because you may run into situations where you have to decide on tossing some gold on the ground or picking up a shiny object when looting a dungeon. Makes sense to me!

I know people who store their money in hidey-holes all over their house.... mainly elderly who lived through the great depression and understand how banks can be loose with your deposited coin. (look at the recent "bail-outs")

Awesome! It would be great to rob them! Imagine what kind of items would be in the safety deposit boxes. Of course the bank manager with the keys would have to be one bad-ass foe.

NO banks!
But you should be able to stash excess gold in your 'safehouse.
Loan sharks are okay if they have tough 'collectors' .
But banks are too 'modern' an idea.

Two more things to add about banks, one is that other people will be depositing money. This means you could rob the shopkeeper while he's on the way to the bank. The other is that the shopkeepers can have some money to buy your stuff in the store, but keep most of his money at the bank. One or two robberies won't put him out of business this way, and if you wanted to sell him an expensive item, he could get the extra money from his bank to buy it from you so you don't have to take a huge loss on it. The bank will be the means for you to be able to sell your high end gear to shopkeepers.

Banks are older than money. They are ancient.

I voted "Hell Yes", but really, the only way I would really want a bank system was if there was a good way to make money OTHER than dungeon-diving. Say, being able to set up a 'business' or a farm, that generates a small amount of revenue (or just products you can go and sell yourself) that goes into the bank.

It's a good concept for real life, but in a game...

If you want to rob a bank, it's going to be a LONG time before you're able to do so - probably so much so that you no longer need the money. Further, even if you do pull off the robbery at a low enough level that it matters, it would be such a huge haul that it would make money obsolete in the game.

How about if instead of leaving my money in a bank... After I'm a known warlord and have my own estate, what if I get to be the bank?

I get a treasury and I get to hire NPCs to keep it safe and I can make loans if I want to to my "population."

Like a baron or duke.

Then I get to collect if they don't pay up. Sometimes they can die, sometimes I get paid. I'd have to use good judgment and make sure I stayed in good standing with that person to help motivate them to pay the loan. I'd also have to make sure they knew I'd bust their kneecaps in front of their girlfriend to make sure they paid on time.

I much prefer to be the loaner than the loanee.

In Daggerfall gold weight was 0.1 the same as light plant ingredient. so 1000 gold weight 100. Now add that prices in Daggerfall was far higher than in Oblivion and even Morrowind. You could buy daeric armor in shops but it easy cost millions, but at high levels you could afford it.
As i remember elven items had higher value/ weight than gold so you had the nice drop gold button you used in dungeons if you was stupid enough to pick up gold at medium to high level.

In real life you can carry around 10.000$ without it weighting you down. If money had weight you should have copper, silver and gold money where one copper would be the lowest value, typically a potato. a gold coin would be worth 100 copper or more.
Yes you might end up having to drop copper but a gold coin would typically be 100 times more expensive. You would still want some arrangement like letter of credit buying a large house or similar. Banks also offer other options like interest and investment.

It depends on what I'd have to give up for it, in terms of other game systems.

HEEEEELLLLL YEAAAAAAAHHH

The reason being mainly for loans and for NPCs to be able to store their money. Why? Bethesda claimed that each town will have a living economy now. This is important because if you ran around and stole everyone's money, the economy would collapse quickly without a bank.

What did you have to give up to get general stores in towns?

A bank in the game?

Sure! As long as I can burn it down.

If I can rob and steal stuff from the banks then yes bring them back.

No, chests are alright.

I mainly want this in combination with gold coins weighing something - all the more reason to store your 10000 gold in a bank rather than carry it around.

That would be really nice if gold had weight. There is too much money floating around in people's pockets.

Aquariums? :shrug:

Yes to banks, but only so I can rob them because they're evil corporates scamming old people who can't read fine print.

Yes to pretty much everything the OP said. I'd also like to be able to drop money again.

:homestar:

Definitely. It's not at all difficult to implement at a basic level (look at mods like Banks of Cyrodiil and Nehrim) - and could easily be scaled up by a team of talented devs.

If banks are then i think you should have to have collateral or around equal value to apply for a loan. If you borrow 10,000 gold, and you don't pay it back then the bank should re-possess your house, horse(s), or whatever you put up for collateral.

Of course killing the repo-men will be possible, if your known to do so then the bank is gonna hire a real badass to possess your assets.

I just think that this system would help avoid possible exploits of the lending system.

Banks are useless...unless they give intrests on our gold amount...

Yes definitely banks! How I envision the banks: a few NPC customers that come and go, a counter with a teller with whom you can deposit withdraw or use a safety deposit box to store items until you have enough dough to buy a house. You can buy upgrades to your safety deposit box. This way you dont have to rely on empty barrels outside of a saloon to hide your stuff or kill home owners to "adversely possess" their house (not that Im against to that in every situation). Maybe implementing a thief disguise kinda like the gray fox cowl that makes you anonymous so you can rob the bank without them knowing you (I did like the anonymity function with the diff't armors in NV).

But yeah, I dont really care either way if the money has weight, but I would like to drop money and hide it in my house whether or not Beth wants to implement banks. No one carries around bazillions of dollars. Lets see, what else...Yeah loans could be cool, but Id be surprised if Beth implemented them, it seems like it would be too much detail...but working for a bank as a security guard type quest could be fun, similar to the quest for the silverado gun store in NV or whatever it was called there is Freeside. But just the functionality of being able to store, withdraw, and hide items would be enough for me.