Cai Zhiyuan pondered seriously and said, "There might be a slight issue with the plan of withdrawing visa time."

"According to the current algorithm, the earlier you withdraw, the higher the return; conversely, the later you withdraw, the lower the return."

"If we don't consider the daily consumption of the fund, this plan is generally fine."

"For example, if the total fund is 100,000, and two players each contributed 10,000, their contribution to the fund is both 1/10."

"Player A withdraws first and can take out 9,000 minutes of visa time."

"Player B withdraws later, and by then the total fund has become 91,000. At this point, Player A's contribution has been cleared, so Player B's proportion in the fund has essentially become 1/9, and can still take out 9,000 minutes of visa time, or even a little more."

"But if during this period, we collectively spent a portion by buying immunity coupons or other materials, causing a change in the total fund, it might result in the later withdrawing player getting less."

"For example, when Player B withdraws, if the total fund has been spent down by us to 50,000, even considering Player A's contribution has been cleared, Player B's proportion becomes 1/9, and he can only withdraw 5,000 minutes of visa time."

"The later-withdrawing player essentially bears the brunt of the fund's expenses; the later they withdraw, the more they lose."

Fu Chen thought for a moment: "But conversely, if more players deposit money into it later, causing the total fund to increase, wouldn't withdrawing at that time result in less loss?"

Cai Zhiyuan shook his head: "That's not it. Suppose the fund total is left at 50,000, and another player C, who hasn't contributed before, suddenly deposits 50,000. The question then becomes how to calculate the specific ratio."

"For Player A, if calculated at 1/9, it surely won't work because Player C has actually contributed 50,000 of that 100,000 and should rightfully have a 1/2 share, while Player A's 1/9 actually belongs to the other 50,000, meaning it should now be diluted to 1/18."

"The biggest issue with this plan is that, in practice, it's the players who withdraw the fund later who bear the primary cost of daily expenses."

Wang Yongxin explained, "I don't think this is a significant problem."

"If you're worried about losing by withdrawing later, you simply don't deposit in the first place."

"Once you deposit, you should be mentally prepared for that money to become a public expense."

"Strictly speaking, it's not 'the players withdrawing the fund later' bearing the expenses but 'the players who had money stored in the fund at the time of expenditure' sharing the costs."

"If the fund is halved for public spending, then the money those people deposited will also shrink by half proportionately."

Fu Chen thought for a moment: "But in that case, it's always the people who save money that suffer losses; over time, they might stop depositing, and wouldn't that render the fund ineffective?"

Wang Yongxin shook his head: "This plan actually follows the same principle as the original 'Luxury Fund,' it's just that a rule was added that allows money withdrawal when visa time is less than 50,000."

"Overall, it's still voluntary."

"Isn't it true that the 'Luxury Fund' also penalizes those who donate more? But there's no helping it. Since everyone's visa time and abilities vary, it can't be evenly funded."

"The new plan is similar."

"If you're afraid of losing, either don't donate at all, or immediately withdraw all your donations once the conditions are met."

"But whether depositing or withdrawing, or bearing the major cost in spending, all these actions are recorded."

"We can check these records at any time."

"Players who contribute more should naturally be given more attention."

Fu Chen thought for a moment and asked, "In that case, won't there be a tendency for 'forced donations'?"

"Even though it's completely voluntary, since the donation amount affects others' perceptions and one's status in the community, many might feel compelled to donate, right?"

Wang Yongxin shrugged helplessly: "What else could be done? You can't have it both ways, right?"

"How can you worry about people not depositing money while simultaneously worrying about forced donations?"

"You have to choose one concern, right? Don't let your two sides fight each other."

"Now we know, according to community rules, the more funds there are, the more developed the community is, making it possible to unlock some high-priced items, like immunity coupons."

"Where do these funds come from? They must come from everyone's donations."

"And the more the better."

"If players who donate more don't get any additional benefits, they won't want to do it."

"There are essentially two types of returns: visa time and decision-making power."

"More visa time isn't possible because those who donate don't lack it, and we don't have extra to give them. We can't rob the poor to feed the rich, can we?"

"So, in essence, we can only provide more decision-making power."

"As someone weaker, if you don't want to donate visa time or compromise on decision-making power, what's your purpose in this community?"

Li Renshu thought for a moment and asked, "Then, if this plan really passes, would you be willing to donate all your visa time exceeding 50,000, Brother Wang?"

Wang Yongxin nodded: "Of course, if I wasn't mentally prepared for this, why would I propose this plan?"

"Could I propose the plan and not contribute a penny myself, relying entirely on others to donate?"

"This plan, ultimately, is just a further optimization of the 'Social Security Fund' and 'Luxury Fund,' providing two different choices for two types of players."

"Those willing to donate shouldn't worry about their visa time being spent; we offer more decision-making power and priority as a reward. Meanwhile, they can also adjust their visa time freely before entering the game through this fund."

"Those unwilling to donate can actually get back more visa time; since the default 5% tax was initially unwithdrawable, now as long as the player's visa time is below 50,000, they can withdraw the taxed portion."

"Whether to donate or not is entirely free, and we will never force anyone."

"But if someone deems this as 'forced donation,' there's nothing that can be done because, without any coercion, who would foolishly contribute their hard-earned visa time for the community?"

Li Renshu, upon careful consideration, said: "If this plan is really implemented, after some time, we might subconsciously start to categorize players into different ranks."

"Because this plan would detail things more finely than the original 'Luxury Fund' plan."

"Originally, there were only two situations: 'donating a lot' and 'donating a little.' Everyone accepted that weaker players could donate less or none, without criticism."

"But this plan adds withdrawal rules to both funds, effectively classifying players into four types."

"Namely 'donating a lot, withdrawing little,' 'donating a lot, withdrawing a lot,' 'donating little, withdrawing little,' and 'donating little, withdrawing a lot.'

"Although 'more' and 'less' are relative concepts, this means even among two weaker players, there will be very clear distinctions based on willingness and behavior."

"Both the ability and willingness to contribute to the community are more concretely quantified."

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