Posted by Hikaru

Is this what you are trying to explain?
With an actual Jail system this would be hilarious

An item is worth 1,000 gralats

The bank will only give me a loan of 2,500

I receive the 2,500 and buy the item I want

I have to pay 150% more than what I was loaned in less than a week: 3,750

I have 1,500 left over from the bank, and now I need 2,250 to complete the 3,750

I can pay the bank back on the same day and not get charged

Every day I don't pay, the interest rate is raised by 7.14%, until 7 days have passed

If I have not payed the bank within 7 days, I get jailed for 24 hours

I have to be on for those hours to complete

Once I am a free man, the bank's loan limit is dropped by 2,000: 500

And My gralats are at -(#of gralas I still owe the bank)

If your gralats are negative, you can't buy anything

Gain gralats until you are neutral

Every time I want to raise the loan limit, I have to ask for a loan, and pay that amount

The Bank will raise the limit x2 every time I pay my loan on time

Loan Max Limit 10,000

Now that would teach players to spend money wisely

Would be hilarious if there was an npc animation of the Graal City Guards dragging you to the police station for not paying on time.