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Understand this is discussed a lot , dunno if the following has been brought up , but here's a couple of cents worth...
How about a game that has the following,
Professions (NOT AREAS ) clearly that are designated PVE or PVP, with associated bonus points etc.
PVE = gathering and trading
Why not give PVE designated players the ability to hire AI for set durations (either guards/mercs or offline players).
Good way for offline players to earn some. (helps the economy perhaps).
The more you spend the better are your guards.
AI guards/helpers cannot initiate attacks obviously but can respond.
Give them an option to summon perhaps for those who prefer a bit of solo'in and can put up with a possible gank.
If you are taken down while having AI assist, you drop a percentage of your resources.
PVP = crafting
PVP crafting lets you stat bonus as usual.
Combat points helps you hone skills, can earn those in AI mode (offline) if hired by a PVE'er.
Dying while initiating attacks can cost you in gear. You drop the lowest equipped gear item.
Don't think any game should have a policing system, that's just plain silly, just invest in better AI to balance the lot out.
Obviously the word 'Balance' is easier said than done....that's why you need a few logical minds rather than marketing ones that drive design.
Last , in my humble op. if you can convert currency to game time and vice versa, and then make it a tradable commodity, it might make for a very interesting game. (good graphics or not).