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Basically, the idea comes directly from leasing autos. I was just thinking about how that might be implemented in the game.
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Until rumours fly around that the EITC are taking any leased ships caught and selling them off for their own profits and the owner loses the ship - the lease market dries up as pirates pull their precious ships off the shelf... causing a downward spiral of noob pirates buying light sloops because they had no "real gold" saved from just spending it on useless clothing and not saving for their own big ship - everywhere as the caribbean fills up with mass light sloops the servers crash...
The Recession of 1699.... LOL
