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Mirtha Hinrichs
A large number of civilians dot the many maps in both PAYDAY: The Heist and PAYDAY 2, most usually in heists where stealth is the main approach where they pose hindrances to the crew by way of detection. Unlike guards and cameras, civilians cannot detect a player in casing mode, though will quickly panic at the earliest sight of one with a mask on and weapons out, and cannot be pacified if fully alerted. Panicking civilians will usually either seek out the nearest viable panic button, call the police, or simply run outside the map boundaries where an alarm will inevitably be raised. As an alternative to killing poorly placed alerted civilians, some civilians on certain maps' frequency to run away can be exploited in order to get them into a more favorable position.
Players may shout at civilians to intimidate them and get them to lie on the ground, or produce any kind of noise if they have Stockholm Syndrome which gives the same result. This temporarily gets them to stay down in one spot, keeping them out of the line of fire or delaying their attempts at contacting the police, though if not kept a close eye on they will eventually rise up again and resume their phone call(s) or race towards the nearest alarm or exit. Civilians on the ground can be restrained with cable ties to render them immobile until moved by the players.
The players are discouraged from killing civilians; collateral damage will immediately deduct funds from the player's spending cash (regardless of whether the heist is completed) and add a trade penalty to that player if they go into custody. To further complicate matters, the civilians have mindless AI, and tend to run around randomly whenever there is gunfire. This makes them a significant liability, as they may run towards shooting players, stand up in front of shooting players, run through trip mines, run in circles around police, and perform other actions that can cause them to accidentally be killed and penalize a player.
In certain heists in both games, there are special "VIP" characters whose presence are vital to the success of the mission or simply necessary for an achievement, and with some exceptions (especially in the latter case) cannot be harmed by any source. Heists where VIP characters appear are listed below:
While civilians do appear in Rats Day 1 and Cook Off, they are scripted to always die before the players can reach them and thus can't be taken hostage.The civilians that may appear in Safe House Nightmare can't be shouted down and taken hostage but can be killed, and a civilian does appear in Undercover and can be killed but cannot be reached. The receptionist in Reservoir Dogs Day 1 is stated to be a civilian and uses the model of one, but pulls a Chimano 88 and fights the player when the alarm goes off and is rather considered a reskinned police officer. She can even be dominated and converted like a regular police officer with the necessary skill.
Cable ties are used to take civilians hostage. When civilians are ordered to lie down, a player can use cable ties to tie them up. This stops the hostages from running away and possibly alerting the police.
In both PAYDAY: The Heist and PAYDAY 2, each player originally starts out with 2 cable ties but it is possible to get more by getting the respective upgrade(s). In the original game this is done by investing in the Assault tree; whilst in PAYDAY 2 this is done by buying the Forced Friendship skill, increasing the amount of cable ties to 6.
When a civilian is tied, they will be unable to alert the police and unable to move, and must wait for a police officer to free them. In PAYDAY: The Heist the amount of hostages is displayed on the bottom of the screen, while in PAYDAY 2 a number in the top right of the screen will show the number of cable-tied hostages the crew has secured. Maximizing the number of cable-tied hostages will grant the crew a variety of benefits such as:
In PAYDAY 2, cable tied civilians can still be moved around by interacting with them, thus enabling the crew to reposition them in an area where law enforcers will have a hard time getting to in order to prevent them from being rescued, or simply to move them out of the line of fire/hot zones where accidental civilian casualties can occur. To order moving civilians to sit down, either move far enough away from them or interact with them again.
Player can tie down civilians, and civilians only, by interacting with them while standing next to them. Civilians must be intimidated into lying down first by shouting at them or making noise with Stockholm Syndrome. Tying down a civilian takes 2 seconds without skills and 0.5 seconds with Forced Friendship Basic.
Tied civilians cannot move and, hence, cannot use their phones or panic buttons to raise the alarm. If a camera or any person spots a tied civilian, they will become alerted and attempt to raise the alarm. While alerted civilians can be tied down and guards can be dominated or killed, a camera that has fully spotted a player will inevitably raise an alarm, whether or not it is destroyed or the camera operator is killed.
In an active combat situation, the presence of hostages can help delaying the eventual assault wave, or dispersing the enemy's main force during the shootout, as active police forces will prioritise rescuing hostages over engaging the crew, removing their cable ties when they move near the hostages.
If a civilian hostage's cable ties are removed, they will attempt to flee; however, a player with more cable ties can recapture them. In PAYDAY: The Heist, if a security guard or law enforcer is uncuffed, then he cannot be taken hostage again and will resume attacking the crew.
In PAYDAY 2, through the use of certain skills, the behavior of civilians can be altered to produce different results, with effects ranging from reviving downed players, giving them ammo, or simply require less cash to "cleanup" when killed.
It does this by increasing the initial amount of cable ties from 2 -> 6 and speeding up the interaction time without forced friendship.
It also increases the cable ties from forced friendship from 4 -> 8 giving you a grand total of 14 cable ties.
The maximum amount of cable ties has been raised to 16.
The forced friendship skill description has been modified to reflect these values.
To be fair, the argument in defense of short-term or payday lenders is that some people have nowhere else to turn to get money when they find themselves short and need to buy necessities or have an emergency expense, such as a car repair.
Payday lenders help to bridge the gap between running out of money and the next paycheck, a service not provided by traditional banks, credit unions or other financial institutions. They help people with an immediate need, so the argument goes, who might have bad credit scores, no bank account or no access to a credit card.
Further, the Consumer Financial Protection Bureau, a federal government agency, found that payday lenders collect 75% of their fees from borrowers with more than 10 loans per year, demonstrating that their business model is dependent on a long-term cycle of debt, according to the center.
The proliferation of payday lenders became so acute at one point that the city of Caldwell in 2013 passed an ordinance regulating them, requiring them to get a special-use permit if seeking to open a storefront in a populated area.
The problem got so bad that even the Idaho Legislature did something about it. In 2014, the Legislature passed a bill that lets borrowers set up a payment plan with payday lenders if they get behind, and blocks lenders from piling fees and interest onto the remaining balance if borrowers opt for the payment plan.
Smaller schools like Boise State, in a state that has a smaller population than the city of Houston, struggle to compete with the big schools that have bigger stadiums and better facilities, pay coaches more and are more attractive to the better athletes.
As millions of Americans await their stimulus checks under stay at home orders, some are being lured into borrowing money from high interest-predatory lenders, also known as payday lenders, who charge interest rates as high as 30% PER MONTH. In recent years, under the Trump administration, the de-regulation of predatory lenders, also called payday lending shops, has resulted in more high interest loans, and more rip-offs of lower and middle-income Americans.
As a State Senator in Albany, Carlucci has a nine-year history of accepting campaign contributions from the check-cashing industry and sponsored bills in Albany to expand its services. In his first term in the state senate, he voted to give check-cashing businesses the power to make payday loans.
Just before that vote, campaign finance records show Carlucci receiving his first $1000 contribution from NY Check PAC. One month later, Carlucci got a $2,000 contribution from the same group. Since then, Carlucci has received 15 contributions from payday lenders as a state legislator over 6 years in the amount of over $11,000 during which time he tried to legalize payday lending in NY a second time in 2016.
In the State Senate, Carlucci Co-Sponsored Community Financial Services and Modernization Act, Which Would Legalize Payday Lending In New York State. Carlucci, along with his Independent Democratic Conference colleagues Diane Savino and Tony Avella, introduced the Community Financial Services and Modernization Act of 2016, which would have allowed check-cashing businesses to operate as financial services providers and issue credit, including payday loans. (New York State Senate Bill S6985A, 2015-2016 Legislative Session)
The 4Finance payday loan company, set up in 2008 by four Latvian students, was taken over in late 2009 by associates of so-called oligarch Andris Šķēle and well-known businessman Māris Martinsons. They were able to escape paying taxes on cash loans almost completely by using companies in Malta and Belize, according to document copies obtained by the EIC.network of investigative journalists.
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