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Ok, so if we don't introduce a gang bank, and points aren't transferrable, then what problems are there with the current system?
If we still want there to be Gang Upgrades, how would that work? Would any player be able to buy upgrades for them?
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Maybe there could be a right for the leader to set to certain players to 'buy upgrades' or whatever, but these upgrades are only active when the player is in the Gang, if they are kicked or leave then this upgrade (say an extra slot) is then revoked and that player gets their Gang points back?