While I can agree with you that some adjustments to the economy are sorely needed I think you are looking at this entirely wrong. You need to remember what the point of CoC is. The ONLY point to this game is to take what other's have. The game is designed for to attack, attack, attack and take, take, take. Sure you can play it different by sitting and waiting for your collectors to fund your upgrades but that is not what this game was designed for and SC will never cater to those players. That is what Hay Day is for. It is designed for that style of play. Any ideas that make it more difficult to find worthwhile villages to attack is a bad idea at face value. We already next too much.
With that in mind I agree that loosing 4 hours of farming effort in the first 20 minutes you log off is also broken game play. Currently the only ways to prevent it are to either stay online perpetually (not an option for you, me or most others) or put your TH outside to be sniped. Your assertion that this does not work is completely incorrect, proven by the multiple millions of people who do it successfully every day. While it is counter intuitive and seems like poor game design it does very adequately solve the problem of being raided multiple times the moment you log off and it does so very effectively if you use it properly.
So any ideas you come up with for modifying the loot system must work within those two basic concepts that form the foundation of CoC (1- effective attacking must be possible and encouraged, 2- loosing an entire play session's progress within minutes of logging off can't happen). Simply adding gameplay features to make it more like Hay Day doesn't do that. A bump in collector production may be part of it but this is the wrong game to make "sit and wait for my loot" an effective tactic. Fortunately there are a lot of ideas that folks have discussed on these forums in great detail and it should be fairly easy for you to find them for some light reading. WarrenJames started the most recent comprehensive threads about changing the loot system and defense structure. Like any others they are full of posts providing very little insight so you have to skim through to find the nuggets of genuinely thought out information.
Going a little farther back you will find hundreds of threads trying to work this out. Huge volumes of reading about the potential impacts on game play and loot availability for many minor and drastic ideas. I encourage you to contribute ideas towards improving the economy but before you post ask yourself those two questions. Will it make more villages worth attacking? Will it cause catastrophic loss when we log out?


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