OK then, how about if your only allowed to loan a certain amount of money like 1k for newbies? 10k for noobs? 100k for owners? and then you decide on when u will pay it back and in how much each month? will you pay back then that decides n the interest. then if you have not paid it back in the time limit, then maybe a random event LIKE thing but not exactly one, comes to you and is like a balief, if you dont give money back, he will either steal it of you, or take precious items from you( OR BANK ) then the other thing the balief might do is fight you, lvl depends on your lvl of course.... how about it? :D :) :(