Crippling Debt (Tier 2 Vitality)

[Amni3D]

A credit card that allows you to buy items with souls you don't have yet. 1600 souls, T2 Vitality.

Your maximum loan is 1,600 souls (+200 souls per minute). However:

• If you are in debt and are at low health, the Debt Collector will appear, sniping the player from a distance.
• It is impossible to sell this item if you are in debt.

My main motive for suggesting this item is I think it would be funny. But I also think the benefits don't come for free.
You could buy an additional T1 towards the end of laning, or an additional T4 by the end game, but it becomes a question of if it's worth the now extra tense situations at low health.

The reason I categorize this as vitality is because it would feel strange to bias towards eating a Weapon or Spirit slot

 

[supremejester28]

Neat

 

[steventheeven3]

the idea that if you're low the debt collector just snipes you out of nowhere is really funny and cool

but the concept might need a slightly different implementation, buying an item that lets you buy more items seems a bit counterintuitive. Would need to be a hero ability, map interaction, or something else that doesn't actually cost souls at first.

 

[micbenso66]

View attachment 43443
A credit card that allows you to buy items with souls you don't have yet. 1600 souls, T2 Vitality.

Your maximum loan is 1,600 souls (+200 souls per minute). However:

• If you are in debt and are at low health, the Debt Collector will appear, sniping the player from a distance.
• It is impossible to sell this item if you are in debt.

My main motive for suggesting this item is I think it would be funny. But I also think the benefits don't come for free.
You could buy an additional T1 towards the end of laning, or an additional T4 by the end game, but it becomes a question of if it's worth the now extra tense situations at low health.

The reason I categorize this as vitality is because it would feel strange to bias towards eating a Weapon or Spirit slot

LoL had this mechanic in the game for a bit a few seasons ago as a "talent" choice (whatever they call them, icr). The pros could use it well and finish items early and get power spikes early when used but ultimately this was removed.

I think its very difficult to balance, especially when comparing high to low elos. One of those broken at high but terrible in low elo.

 

[Amni3D]

LoL had this mechanic in the game for a bit a few seasons ago as a "talent" choice (whatever they call them, icr). The pros could use it well and finish items early and get power spikes early when used but ultimately this was removed.

I think its very difficult to balance, especially when comparing high to low elos. One of those broken at high but terrible in low elo.

I think the context is a bit different.

With this item, there's a more explicit punishment for overusing it with the Debt Collector appearing at low HP. Even if you're an Eternus player, you're still going to find yourself at 20% HP, and it's going to be a question if you should continue using this item. It also eats a Vitality slot, at T2, so it may not be the most strategic thing to abuse, as you can't sell the item while you're still in debt.

With Future's Market in LoL, there are no explicit punishments and it comes "for free" as a passive independent of your item slots. I think that made it much more susceptible to be abused. Even then, it was only really meta for a small handful of characters, although it was a while since I played.

It may be best to wait and see how Trophy Collector is handled with the current patch, since I think it's conceptually adjacent.