SW:TOR will experience the first ever overnight ecomonic crash of an MMO.

Luke cares...

Is there going to be a run on guild banks? Should I get my creds out now?

I see two problems with your thesis. First off, most people will not be investing in the guild ships. Yes, I recognized them as a money sink from the beginning. It's going to affect a small group of people who have the money to spare and really no one else.

Bigger issue: unlike real life, the money supply is infinite.

The day after 19 August, the wealthiest people in game will be down to their last 5-20 million credits. The middle class in game will be down to their last 1-5 million credits. And the average players, which tend to have at most, maybe 2 million credits, will be broke or near broke. Only a small percentage of players (those taking a break from the game and those who simply do not like spending money) will maintain their pre-stronghold level of wealth.

Mature? You pretty much said new player will quit playing because they are weak, not dedicated enough to pursue goals set before them? And you are calling me out? In no other game has adding guild housing caused new players to stay away. In no other game has adding guild housing killed the small guild. I'm sorry but facts disprove your assessment.

WoW had their highest population after guild achievments were added. If what you said was remotely accurate it would have been the opposite. Now I am not saying people joined WoW for that just saying they didn't leave WoW like you said they did. Now if you don't like taking in facts and having your incorrect comments corrected by facts then yes please add me to your list.

wow had a lot of other content to do including multiple leveling paths..swtor does not. that is a huge difference

NONE of this makes any sense at all unless you back it up with cold, hard facts.MANY guilds already have the money. I say "many" based on the threads on the server forums. Harbinger, just as one example, has 4 pages full of guilds reporting they already have the money and will have a ship on the first day. Other guilds are reporting it took a week to raise the funds. Other guilds are reporting they have enough for two ships or have enough for a fully decked-out ship.

Now maybe all these guys are lying through their teeth. You can certainly claim such and continue on your merry way. We won't know until the 19th, and even then there are unlikely to be specific stats available. But this idea that no one will be able to participate because they are so poor and the goal unattainable appears to be abject unsubstantiated speculation by the usual flock of Eeyore players.

This is a GUILD issue, not a personal one, designed, one would think, to promote guild participation. For those of you who roll their eyes about players who prefer solo play "in a MMO!!!" well, here's an example of BW agreeing with you. And when you have guilds with 15 players reporting, "We're good to go!" that pretty well puts the lie to the idea that the issue will flop. It also kills the idea that the GTN will crash. The 'incentive to crash' is past. The cash is already earmarked.

1. Guild ships will succeed.
2. The GTN will not crash.
3. Eeyores will always be with us.