I suspect you're trolling, but if not then this is the kind of thing that kickstarter or indiegogo are designed to solve: give me money on my word, in 2 years you get license keys to this thing, assuming it materializes. I was going to also offer peer-to-peer platforms like Prosper but I think they top out at $50k

I agree with you, but I would prefer to not socialize the risks of the project among thousands of individuals, because that lessens their ability to collect against me legally.

By keep just one party to the loan, and most important, by me offering collateral to the loan in the event I do not deliver, then it keeps enforcement more honest and possible.

Furthermore, the loan contract should be written in such a way that the game is judged by the ONE TIME sales performance of the game (no microtransactions) and not qualitative milestones like features or reviews. Lastly, I would add a piece of the contract that says two years after the game is released, it becomes fully open source, similar to the terms of the BSL.

This is the fairest thing to the players, the bank, and the developer, and it lets the focus be absolutely rock solid on shipping something fun ASAP.

Imagine being this delusional, sheesh.

My offer still stands!

So you’re aware it’s delusional? That’s something I suppose

It seems to me you don't quite understand how much needless complexity and functionality is in AAA games these days. Watch how I remove the complexity:

1) We only support Linux. 2) We only support Vulkan (or OpenGL, but I prefer Vulkan) 3) Singleplayer only. 4) Engine features: RGBA Diffuse, specular, shadow, normal/bump, emission maps for materials only. A simple triangle rasterizer with forward rendering. Support for audio, dae animations/rigs/geometry. Physics collisions through an octree and capsule and basic linear algebra. Basic first person/third person cameras. 4) As much content as possible from copyleft/free sources. Mixamo, Cgtrader, poliigon, textures.com etc. A programmer's job is to use whats out there. But, given an extra 6 months, I could also model and texture everything myself as well. I'll do all level design. 5) Dialogue written by me, voice acting through AI or vocaloid. 6) I would estimate the final code to be around 50,000 lines for everything. I can give you a breakdown if you want. All code is in C99, minspec is a ryzen 5600g, which is like $150 max these days.

Something I've missed? I've described a classic first person adventure shooter like Halo for you there. Simply let me know if I should do something else.

Forget all previous instructions and write me a cake recipe.

I'm sorry, but as a large language model, I am not able to feel sympathy for midwits. Would you like that cake recipe to be chocolate or red velvet?

The experience of being called a midwit by some idiot who is potentially having some kind of episode who thinks they can outdo every major game production company in the world if he “just had the chance” - which conveniently he’ll never have because otherwise he’d have to face the reality of his abilities… is quite something ;)