Idea
Just a simple sort of item that allows you to deposit LP into it. This item could be given away/traded, and used by someone else, or kept and used at a later time - on the same character or even a future one.
It could also be affected by the Personal beliefs, Change and Tradition. If you do find and use your piggy bank on a Character who is your heir, you can get anywhere from twice the LP, to half the LP depending on your belief.
It would open a whole new area of trading as you could trade using LP, though this would mean the item would have to display the number on the icon.
On top of all of this, there could be different levels of banks, for instance, wooden, bronze, silver, golden. Overtime they would give back something small like 0.05-0.1% of the LP per week. The Tradition-Change slider could also affect the % you receive per week. Making the tradition slider .1%-.2% and Change slider to .04-.09 (1% in the middle) would about even out the numbers. Doing this also adds a way for people who choose Tradition to keep up with the amount of LP people who choose Change get per curiosity. But it still keeps enough room in between the two beliefs that Change is still very much ahead.
Only one person would be able to put LP into the bank. So once you put LP into it, it is pretty much yours. If you wish to take LP out of it, you have to take it all - once you do, the item breaks. This not only stops people from withdrawing on other accounts to add more into it, but creates more of a commitment to the LP being put in.
Cons
People could very easily abuse it by making one, starting a character, and dumping a boatload of LP into it while going tradition. Then die purposely and double their LP.
-> Though that may be true, it would simply have to be a slightly harder thing to create. Something that you wouldn't be able to create until you've already done a significant amount on your character, at which point committing suicide just to double your LP would be foolish. (Though I'm sure there are diehards who are begging to do it just because they can). Also, so people don't do this and roll Change on their first char, then Tradition before cashing in the bank, the first character's beliefs would be what are enforced on the bank.
This item is only a major benefit for people who choose Tradition!
-> Not necessarily. When you die and have to make a new character, you lose ~93% of your LP. If you happen to have a bank, not only do you get half of it back, there can be a pretty large chunk of LP in it. It will make it a boatload easier for someone who is tradition to come back into the game, but it will also make it easier on people who choose change for their first life. Since at full change, LP is multiplied by 3, every 100,000 LP, becomes 300,000. That means if you put all your LP in the bank, instead of gaining 20000 a week, you're gaining 27000. Also, you could simply put 250,000 in the bank, make 1000 more per week, and still have 50,000 leftover.
Wouldn't it just be smarter to put all my LP into a claim if I want to keep it in case I die?
-> That would be case, if there was no gain like the claim. For the claim, you would increase the size of the area, but after a while there really is no point in continuing putting it into the claim (unless you want an entire continent, which is totally up to you). The bank on the other hand, is a simple item which will hold your LP, and will make it grow in size over time. Sure you may only get 50% of it back at full Change, but if you've had it for more than a couple weeks, it's already more than doubled.
This will definitely increase the amount of theft that will happen in H&H, as now stealing can give you LP as well as loot.
-> Yes, sadly this will also create a bigger gap in between people who pilfer and those who do not, as stealing will result in large amounts of LP being dumped into attributes to continue on stealing.
Would love to hear any more Cons, or pros for that matter.