This is amazing. We accidentally striped our lower nobility of their land.

Like, nations have self destructed after putting in massive amounts of time, effort and resources to try to do the same, and still failed to do it.

And yet our bank just 'accidentally' the lower nobility.

As already said, 10/10, would establish national bank again.
Technically they did it to themselves. Just goes to show we need to do another education reform, if even our nobles are so dumb they don't get they need to repay loans.
 
This is amazing. We accidentally striped our lower nobility of their land.

Like, nations have self destructed after putting in massive amounts of time, effort and resources to try to do the same, and still failed to do it.

And yet our bank just 'accidentally' the lower nobility.

As already said, 10/10, would establish national bank again.

Somehow, somewhere, there is a Ymaryn Clerk with a book of Grudges scratching them off right now.
 
Technically humanism can also result in the bank going "Nope, the original owner was an idiot, we're gonna give this land over to the peasants actually working it," so it can still involve land being stripped from the owners, but with a better PR spin to try to encourage business because the bank is "fair" and isn't necessarily seeking to screw its customers or conquer foreign territory via predatory loans.
Hmm, Stewardship or collective farming? That's a tough one.

In the end, I don't think there's a great enough chance the peasants would get alot of land, so I think I'll stay with Stewardship
 
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Adhoc vote count started by Killer_Whale on Feb 24, 2018 at 7:16 PM, finished with 144847 posts and 26 votes.
 
I do hope that everyone voting for stewardship knows that it is a position that is disliked by basically all of our nobles.

I would expect for there to be some pushback from this, either through limiting the powers of the Bank or by the nobility attempting to enshrine their rights above that of the Bank.
I wouldn't expect people to just lay down and accept their land being essentially stolen from them.
 
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@Academia Nut how rich is the Ymaryn King compared to the Gylruv Patriarch now?

The Ymaryn king was always financially better off, but the accumulation land under direct control was often how "true wealth" was measured, and the Gylruv Patriarch had larger Crown Lands, even if they were often not as rich. The rapid accumulation of new Crown Lands in territory the Patriarch might consider under his control and not his "subordinates" is the sort of prestige hit that might disrupt the slow but inevitable merger of the kingdoms under Ymaryn terms.

Wait, what? What's the chance of that happening over the giving it back to the previous irresponsible noble owners thing?

It depends on the exact circumstances. The closer to home, the more likely the policy will be to forgive the debt on natural law principles, while in other countries they may just redistribute to the peasantry as a power move to assert the ability to collect on debts but not accumulate foreign territory that could make multiple parties nervous. Additionally, if collecting on an estate rather than a person they may just distribute to multiple claimants in order to reduce the headache of figuring out who exactly is supposed to be forgiven. Theoretically they would still claim property as collateral, they would just have as a policy the idea that they can give it "back" on philosophical principles. This allows the threat to be retained to an extent without having the worry that following through on the contracts 100% of the time would create PR nightmares or political problems.
 
I do hope that everyone voting for stewardship knows that it is an position that is disliked by basically all of our nobles.

I would expect for there to be some pushback from this, either through limiting the powers of the Bank or by the nobility attempting to enshrine their rights above that of the Bank.
I wouldn't expect people to just lay down and accept their land being essentially stolen from them.
But we're not stealing from them. We're letting them keep the land in return for a small lesson on fiscal responsibilities.
 
Technically they did it to themselves. Just goes to show we need to do another education reform, if even our nobles are so dumb they don't get they need to repay loans.
It's not that they don't get it, it's that their past experiences with moneylenders always let them get out of the more annoying parts of said lending.

Because if they couldn't just use their titles and social rep for credit, they usually had the only real armed force in the area under their command. Each of the lower nobility was a king in their own right, and so they only paid debts to other nobles, since those were the only people who could collect debts.

Then they see this 'official' money lending institution, and assumed that it's just a nobility approved version of what they had before.

Only to find out 'oh shit, they were actually serious about those contracts'.
 
But we're not stealing from them. We're letting them keep the land in return for a small lesson on fiscal responsibilities.
Basically this. One would think that when the Stewardship option is basically 'let us do this or we just boot you out and keep the lands' everyone would jump on it.
It's not that they don't get it, it's that their past experiences with moneylenders always let them get out of the more annoying parts of said lending.

Because if they couldn't just use their titles and social rep for credit, they usually had the only real armed force in the area under their command. Each of the lower nobility was a king in their own right, and so they only paid debts to other nobles, since those were the only people who could collect debts.

Then they see this 'official' money lending institution, and assumed that it's just a nobility approved version of what they had before.

Only to find out 'oh shit, they were actually serious about those contracts'.
The fact that this is a Crown institution (it has Crown in the name) and therefore that's the King's money you are grabbing at should have been a hint though.
 
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I do hope that everyone voting for stewardship knows that it is an position that is disliked by basically all of our nobles.

I would expect for there to be some pushback from this, either through limiting the powers of the Bank or by the nobility attempting to enshrine their rights above that of the Bank.
I wouldn't expect people to just lay down and accept their land being essentially stolen from them.
They'll dislike it alot less than Absolutism.

And really, the Bank is only sending advisers to make sure they run their land in a profitable way. They'll turn around once they see that it'll make them more money.
 
One would think that when the Stewardship option is basically 'let us do this or we just boot you out and keep the lands' everyone would jump on it.

The biggest danger is that people could see this as a form of indirect taxation, and people are notoriously touchy about taxes, especially the lesser nobility. There is also the danger of:

"You will leave me no money for food!"
"You will survive so long as you cut out wine/buy cheaper clothes/numerous other examples of luxuries that slowly morphs into increasingly paternalistic control of behavior"
 
The fact that this is a Crown institution and therefore that's the King's money you are grabbing at should have been a hint though
Yeah, it should have.

They likely assumed the King was doing this partly to fund some ventures, but also as a political bribe to the lower nobility to support some of his future policies. Hell, I wouldn't be surprised if the lower nobility were strongly in favor of the bank at first because they thought it was a handout to them.
 
The biggest danger is that people could see this as a form of indirect taxation, and people are notoriously touchy about taxes, especially the lesser nobility. There is also the danger of:

"You will leave me no money for food!"
"You will survive so long as you cut out wine/buy cheaper clothes/numerous other examples of luxuries that slowly morphs into increasingly paternalistic control of behavior"

So you're saying that this is the path to reclaiming ancient Ymaryn ideals, except that this time it is finally the descendants of the Patricians that get the sharp end of the stick? Karma is a bitch.
 
Absolutism is just plain bad idea in the long term.

I hope that stewardship will result in financial reforms, this said it might backfire. But I also think that humanism can backfire as well, so...
 
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