Add Minimum Balance, to allow people to manage overdrafts.

Essentials/src/com/earth2me/essentials/ISettings.java

@@ -115,6 +115,8 @@ public interface ISettings extends IConf
 	boolean warnOnSmite();
 
 	double getMaxMoney();
+	
+	double getMinMoney();
 
 	boolean isEcoLogEnabled();
 

Essentials/src/com/earth2me/essentials/IUser.java

@@ -32,6 +32,8 @@ public interface IUser extends Player
 	void takeMoney(double value);
 
 	void giveMoney(double value);
+	
+	boolean canAfford(double value);
 
 	String getGroup();
 

Essentials/src/com/earth2me/essentials/Settings.java

@@ -539,6 +539,22 @@ public class Settings implements ISettings
 		}
 		return max;
 	}
+	
+	private final static double MINMONEY = -10000000000000.0;
+	
+	@Override
+	public double getMinMoney()
+	{
+		double min = config.getDouble("min-money", MINMONEY);
+		if (min > 0) {
+			min = -min;			
+		}
+		if (min < MINMONEY)
+		{
+			min = MINMONEY;
+		}
+		return min;
+	}
 
 	@Override
 	public boolean isEcoLogEnabled()

Essentials/src/com/earth2me/essentials/Trade.java

@@ -143,8 +143,7 @@ public class Trade
 	{
 		if (getMoney() != null)
 		{
-			final double mon = user.getMoney();
-			if (mon < getMoney() && getMoney() > 0 && !user.isAuthorized("essentials.eco.loan"))
+			if (!user.canAfford(getMoney()) && getMoney() > 0)
 			{
 				throw new ChargeException(_("notEnoughMoney"));
 			}
@@ -163,9 +162,8 @@ public class Trade
 			&& !user.isAuthorized("essentials.nocommandcost.all")
 			&& !user.isAuthorized("essentials.nocommandcost." + command))
 		{
-			final double mon = user.getMoney();
 			final double cost = ess.getSettings().getCommandCost(command.charAt(0) == '/' ? command.substring(1) : command);
-			if (mon < cost && cost > 0 && !user.isAuthorized("essentials.eco.loan"))
+			if (!user.canAfford(cost) && cost > 0)
 			{
 				throw new ChargeException(_("notEnoughMoney"));
 			}

Essentials/src/com/earth2me/essentials/User.java

@@ -153,9 +153,18 @@ public class User extends UserData implements Comparable<User>, IReplyTo, IUser
 	}
 
 	public boolean canAfford(final double cost)
+	{
+		return canAfford(cost, true);
+	}
+
+	public boolean canAfford(final double cost, final boolean permcheck)
 	{
 		final double mon = getMoney();
-		return mon >= cost || isAuthorized("essentials.eco.loan");
+		if (!permcheck || isAuthorized("essentials.eco.loan"))
+		{
+			return (mon + cost) > ess.getSettings().getMinMoney();
+		}
+		return cost <= mon;
 	}
 
 	public void dispose()
@@ -384,7 +393,7 @@ public class User extends UserData implements Comparable<User>, IReplyTo, IUser
 	public void updateMoneyCache(final double value)
 	{
 		if (ess.getPaymentMethod().hasMethod() && super.getMoney() != value)
-		{			
+		{
 			super.setMoney(value);
 		}
 	}

Essentials/src/com/earth2me/essentials/api/Economy.java

@@ -115,6 +115,10 @@ public final class Economy
 		{
 			throw new UserDoesNotExistException(name);
 		}
+		if (balance < ess.getSettings().getMinMoney())
+		{
+			throw new NoLoanPermittedException();
+		}
 		if (balance < 0.0 && !user.isAuthorized("essentials.eco.loan"))
 		{
 			throw new NoLoanPermittedException();

Essentials/src/com/earth2me/essentials/commands/Commandeco.java

@@ -1,5 +1,6 @@
 package com.earth2me.essentials.commands;
 
+import static com.earth2me.essentials.I18n._;
 import com.earth2me.essentials.User;
 import java.util.Locale;
 import org.bukkit.Server;
@@ -45,6 +46,9 @@ public class Commandeco extends EssentialsCommand
 					break;
 
 				case TAKE:
+					if (!player.canAfford(amount, false)) {
+						throw new Exception(_("notEnoughMoney"));					
+					}
 					player.takeMoney(amount);
 					break;
 

Essentials/src/com/earth2me/essentials/user/User.java

@@ -196,4 +196,15 @@ public class User extends UserBase implements IUser
 			unlock();
 		}
 	}
+
+	@Override
+	public boolean canAfford(final double cost)
+	{
+		final double mon = getMoney();
+		if (isAuthorized("essentials.eco.loan"))
+		{
+			return (mon + cost) > ess.getSettings().getMinMoney();
+		}
+		return cost <= mon;
+	}
 }

Essentials/src/config.yml

@@ -281,10 +281,10 @@ spawn-if-no-home: true
 update-bed-at-daytime: true
 
 # Allow players to have multiple homes.
+# Players need essentials.sethome.multiple before they can have more than 1 home, default to 'default' below.
 # Define different amounts of multiple homes for different permissions, e.g. essentials.sethome.multiple.vip
 # People with essentials.sethome.multiple.unlimited are not limited by these numbers.
 sethome-multiple:  
-  # essentials.sethome.multiple
   default: 3
   # essentials.sethome.multiple.vip
   vip: 5
@@ -321,6 +321,10 @@ currency-symbol: '$'
 # The amount is always limited to 10 trillions because of the limitations of a java double
 max-money: 10000000000000
 
+# Set the minimum amount of money a player can have
+# Setting this to 0, will disable overdrafts/loans compeltely.  Users need 'essentials.eco.loan' perm to go below 0.
+min-money: -10000000000000
+
 # Enable this to log all interactions with trade/buy/sell signs and sell command
 economy-log-enabled: false