Loan Sharking - Uncommon

[fervent acorn]

• Upon selecting a blind, this Joker will loan 3$ from you and store it. [Currently $]

• Upon beating a blind on the last hand, all money that was loaned to this Joker will be given back to you +50% interest (rounds up)

I.e.: You selected, played and won 2 blinds normally, so on the third this joker has 9$ in store, when you win the blind on the last hand, you'll gain 14 bucks (rounded from 13.5)

(The interest% and loan amount can receive tweaks for balance and viability's sake)

Also, an additional effect I thought of, but I'm not too sure if it'd be neat:

Make so if you skip a blind you increase the interest% by +25% (flat) per blind skipped before the loan payoff

• The increased interest would reset after the payoff
• The interest% increase on skip could be increased cuz skipping blinds is barely worth it overall, possible buff
• Would represent interest rates so absurd that it's unrealistic to keep up before the interest reaches the clouds

The last hand criteria for taking the money back could be ditched altogether
-# (The whole last hand idea came from a draft where I'd call it "Risky Business")
Though the conditional to make it happen is up for choosing

Additionally, the "Flat +25%" refers to it being an additive percentage, so it goes 1.50x > 1.75x > 2x... So on
Instead of a multiplicative such as 1.50x > 1.875x > 2.34...

[brave condor]

When you say store X money, is it just being kept in sell value?

[fervent acorn]

Nope, it's an internal counter within the joker

Could display a [Currently $]

Acc I should add that

And last edit made

...hopefully

[fervent acorn]

This might be my greatest flop

[woeful compass]

Mucho texto

I aint reading allat

[somber phoenix]

Normally, numbers always round down in Balatro. But assuming that we implement your method of rounding, this is just $2 / blind maximum, and $1.5 / blind on average, and this isn't taking into account the joker stealing your interest, and how you need to give up hand reward value to cash out.

This has a small amount of vagabond synergy, but not actually enough to make it worthwhile. And you can't even take it as a rental

Also as a perishable, when it dies you just lose the entire balance. And because it doesn't go to sell value it doesn't help with temperance.

And you can't just cash out at any time, you have to specifically win a blind on your last hand, wack. What if I get an actually good econ joker in the shop, but I have $15 stashed because I'm too strong for the blinds, now that joker essentially costs an extra $15 of lost income.

Suggested changes:

1. Takes your entire balance at the start of a blind
2. Put it in the joker's sell value.
3. Gives back your balance during the cash out screen (changes the sell value back) plus an additional 0.2x (tunable) dollars with a maximum of $15 (tuneable).

Because this would normally wreck your interest, this is generally a maximum of $10 and a minimum of -$5 per round, which is a moderately powered econ joker if you meet the condition, less helpful in early game, and better in green deck. But it allows you to play around the drawbacks by taking a temperance into the blind, has a swashbuckler synergy, etc.

@fervent acorn ^