QUOTE (Paul @ Oct 14 2009, 06:34 PM)
You're misunderstanding me. Losing a few is still cheaper and more profitable then implementing the sort of security you're discussing.
I do stand by my statement of "You won't be losing a
few." You will be losing shipments left and right. This is the 2070's. And yes, different peoples games differ, but I think most of us play in a dystopian future of some degree. More anarchy, more crime, less socialism, less assertive policing, no one caring about anything save their own hoops.
Let's use an easy example of what I would call a moderate load: 12 Mercury Comets at 12K nuyen apiece. That 144,000Y of merchandise and that's what would probably be sittng on just one trailer being pulled by a tractor. Let's say that there's a convoy from Ford of jsut 6 of these things heading from Detroit to Seattle. Through at lesat two different nations. That's 864,000Y of merchandise. Let's say Ford only gets 80% of the sales from these cars and the dealers receive 20% upon sale. That means Ford has an investment of nearly 700,000Y in those 6 trucks full of cars. This isn't even including the cost of the semis themselves! Nearly 3/4 of a million bucks. Just one shipment. Let's say a go-gang who knows this cargo is unprotected save for a few maglocks hits the shipment. Steals hte cars, chops them for 20 percent of what they are worth. (There's plenty of people out there wanting cheap parts for their 3 year old Comet that isn't under warranty anymore.) That go-gang jsut made 138,000Y for it's minor, minor trouble. You tell me that isn't extremely attractive to the lawless! Meanwhile, Ford's dealership is going under because it regularly doesn't receive it's cars to sell and Ford itself can not afford to jsut be writing off 3 quarters of a million bucks on a regular basis.
QUOTE
And you're going to have to pay pensions, benefits, medical, do schedules, etc...etc...All of which is very costly.
Why do I have to do any of those things if I am a corp? This is 2072! This is neo-political conservatism of the 1980's played out to it conclusion. I pay you X amount of money. I am hiring you as a sub-contractor. It's your job to save what you wnat, invest what you want and spend what you want. You want medical benefits? Go buy a policy from Doc Wagon. It's not my business to worry about your welfare. I am paying you to do a job for me.
QUOTE
Vlad said" What's gonna stop them out there on those deserted, unsafe highways?"
The same things that do now. The police respond to reported crimes, which are a small percentage of actual crimes. No, it's not a fear of the police that stop people from robbing trucks. It's laziness, and technical know how.
Once again if you own a trucking company you have more to lose paying for the sort of security you're discussing than you would if you just took your chances.
You are trying to make your argument with current day circumstances. We are talking 2072. If a city like Seattle has all the crime it does within it's environs (I am jsut going with the canon of the fluff books) and the police can't do more than they do, why on earth would you believe the highways between the cities would be safe like they are today? If there are roving bands of criminals within the city, there are surely all sorts of roving bands outside the cities. If the corps own the police within the cities and make it
jsut safe enough to make a profit for themselves and to keep the elite safe, don't you think that they are also going to simply pay enough for the security to keep their merchadise safe... no more, no less. They don't care about he Jones that died on the highway, there is always a new buyer for their widget that is smart and stays in the city where its safe(er). But their cargo? That's their entire reason for existance! Without that cargo being sold the company doesn't exist.
QUOTE
Screw responsibility, screw the client-you've got insurance. You don't lose no matter what. A shipment gets hit? So what! Write it off.
I think you're wrong, but this falls to personal play style preference so neither of us is in the wrong. Insurance is a scam, and like all pyramid schemes and financial cons it's about playing the numbers. I see no reason for it to have disappeared in 2072, rather I see it becoming a more lucrative business that continues to screw the little guys.
Insurance can not exist without taking in more money than it is paying out. If a company jsut places claims constantly against the loss, then the insurance company is going to keep raising it's rates for hte insured company. Eventually they will simply drop the client as being uninsurable.. It's a corporation too. It's sole purpose is to be profitable. Can you imagine going to you auto insurance company and saying "My car was stolen. I don't know why this happened again. I just left my windows down and the keys in the ignition and parked downtown near those old condemned buildings." They would be refusing to pay out soooo fast it would be ridiculous. And you wouldn't expect them to pay out. Yet, you are saying the insurance companies would pay out if an insured company hauling cargo a couple thousand miles through a pretty rough and lawless area, without any security other than a little electronics lost a load. They wouldn't be covered! And if they did keep making claims that did receive compensation, they would keep facing higher and higher rates for their insurance.. eventually by-passing the value of their merchandise. At some point the company would go "You know, it's far cheaper if we jsut set up our own security for these things, at least as a deterent. Our load of cars is worth nearly 700,000Y to us? OKay hire a team of 6 for let's say 5% of that: 35,000Y. That's about 7K apiece for 2-3 days of work. INterestingly enough, it's also aobut the same rate that a typical Shadowrunner makes for an easy beginner run. Huh! Now, let's imaigne that protection cost is already built into the individual price of the car which is why it costs 12,000Y and not 11,500. You are paying a 500Y shipping fee. Not unreasonable at all.
Let me close this by saying this is how I see the game and how I understand the rules of economics to work. It's what makes Shadowrun plausible to me. I know others view things differently. Everyone's milage varies.