I had made a post similar to this in the hero beta channel, and now that AP loaning is fully out with only 4 AP, but still being allowed in both raids and world events, which others have brought up as an issue
And the suggestion is almost always to either remove AP loaning altogether or to disable it in raids (which how would that even work...), and CT have said they're still monitoring it so AP loaning could get worse till it's insignificant due to raids and world events
So I had an idea that would allow for faster level progression and exp grinding with loaned AP (since I imagine that's why they were added) but it also wouldn't completely kill world events and raiding
For a champion rank player, which is the max, allow them to start with 29 ability points at lvl 1, same as a lvl 54 player before the unlock of nest of the grootslangs, but the catch being that you could only start gaining ability points after lvl 54, putting you on even ground with other players without taking away faster early game, ||and lower ranks would get less AP, but would gain AP at a sooner lvl||
And for world events and any future level scaling content, if you use AP loaning, it could scale up as if you were a lvl 54 player, making you really weak at level due to not having better gear but having to face scaled up enemies ||with a lower scaling lvl if you have a lower rank with less AP||
And why? Because personally I really like the idea of AP loaning, it would allow you to invest in an archetype from the get go, but it causes too many troubles in it's current state and it's super limited, plus a rework like this would be really fun
