How about a realistic inheritence upon death?
Oddysey:
Well, it's really more of an effective gameplay thing than a realism thing. I expect that they figure an elder is going to move in with their kids, or vice versa, to help take care of the grandchildren. (Only good thing about elders. Just having them at home meditating or puttering around the house keeps the social worker from coming, and with the "No Get Crappy Minimum Wage Job Wants" mod, they're happy to stay home with the kids and nix the need for a nanny.) And the inheritance thing is an incentive to keep the elders in Platinum, at least around 6 o'clock.
Making insurance realistic would make it too easy to abuse. You make a family of eight, with whatever sims you want to play and a handful of filler sims, then kill off the filler for the cash. On the other hand, it would make more sense to just move them in and out of the house repeatedly if you didn't have the no20khandout hack, but whatever.
Having inheritance be logical would make some players happier, but it would also provide an incentive for elders to live by themself, particularly if they had multiple kids, because otherwise the kid they live with would either get all the money or the money from the household fund would get moved without the player's consent to other houses. As it stands, it only annoys players who want their sims to work for every dime they have, and we have JMP's money order hack for that. Just move a townie in, get 'em a lot, and use them as a cash dump.
J. M. Pescado:
The only answer I can see to "realistic" inheritance is an inheritance system where if the last man on the lot dies, the networth of the lot is divvied out to his next of kin. Otherwise, nobody would get anything since the lot would still be inhabited. This means you could actually *HAVE* an elder die alone and not simply waste all of the funds involved. The reason why this was not done somewhat eludes me, but hey. Every other alternative is either easily subject to fraud, or simply annoying and pointless.
Oddysey:
It wasn't done because it *wouldn't* be annoying and pointless, if current trends on Maxis behavior are any indication.
Jabberdau:
Quote from: J. M. Pescado on 2005 July 24, 09:42:59
Wouldn't that mean there's no payout at all, since the inheritance is not handed out EXCEPT in cases of natural death, apparently to prevent fraud?
I would like that. But I donīt know if it is ONLY handed out when they die of old age. I WOULD like it to be the other way around so you get the insurance money when they die ACCIDENTIALLY. And if I would cheat I could use the motherlode cheat lol. Why should I do that? I simply want the 30k handouts OUT! That no20khandout is a really nice hack.I have used it for a long time :)
J. M. Pescado:
So what would constitute "accidental" death? I think the only real form of accidental death is the choking disease, and possibly satelliting, but the odds of this happening are so extremely bad that you probably did it deliberately, given the purposelessness of cloudwatching. Dying of anything else tends to represent intentional malice. A sim can't "accidentally" drown, because they leave the pool before this happens, unless you remove the ladders, in which case it's no longer accidental. It's possible to burn to death in a cooking fire on accident, but more often than not this is a homicide. How would you investigate this properly to determine whether it was an accident, or a homicide?
And finally, if the insurance policy were no longer an apparently government-funded benefit, would you actually have to then BUY a policy and pay the monthly premiums on it? If so, why would this even be useful?!? Like in real life, the only reason to take out a life insurance plan on somebody is if you plan to have them murdered in a way which looks like an accident. Otherwise it's simply a waste of money.
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