1 Year of Service
Once you have P5, why do you need coins?P4 costs 25,000 coins, 25,000 x 0.02 = 500 coins, meaning if I have 25,000 less coins in my bank I will get 500 less coins each day. Pretty much making it a price of P4 per day.
You should do something similar every time you want to buy something big in real life. Though in real life there is inflation...
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Thinking like this, you'll never buy anything.