How about you make the money instead of taking it and never returning?
Loans in real life can screw you over.
Loans = interest = paying back more than the item is really worth. Then regretting ever taking out a loan.

I highly doubt people are going to use this system correctly, and 100 days jail? Not really going to do anything, just delays paying back at all. So if this was out in era, freeze gralats when you borrowed, and you won't be able to use any until you pay back all of what you owe.

Let's make this fun shall we? For every hmmm I don't know 5-10 days you don't pay back your debt will raise and raise and raise, until you get either fed up and quit or you use gralat packs to pay it all off. Like I said before, it's better to make your own money so you don't run into these situations.

Freeze gralats or just take the item away could be reasonable. Using alternate accounts prove that people will take advantage of this. <---too lazy to quote but ya