Ahoy!
Loving the game so far. Been taking my time and I'm right around 20/20/20 with no rush.
I was thinking about how the Gold Hoarders work and how they own the keys to all chests and that's why we need to run them back to a rep. Well, are we pirates or are we pirates??
I think it could be cool to have the option to try and "pick the lock" on any chest instead of returning it to an outpost. Each tier of chest would have a difficulty associated with it and each time you fail to pick it, it reduces the amount of gold you can get from it so that you can't just endlessly try and pick it. Added difficulty would be not knowing how much a failed attempt will "cost you" so that you might fail 3 times, turn it in and get 10g, or 200g. It's a gamble.
The mechanic could be something similar to Elder Scrolls Online (or whatever Rare comes up with :) )
I think any pirate in their right mind would be trying to pry open a chest with a dagger or set of picks rather than dutifully returning it to some blowhard on an island. I mean, it's made of wood!
EDIT: If you do manage to pick the lock, the gold payout should be higher than it would be for turning it in since the Gold Hoarders wouldn't be taking a cut of the profits for opening the chest. (thank you to @mr-spiderhead @carcinoGenetxc)
