Maybe have a bank that provide loan and there will be records and made official such that consequences will come if I are in debt with the banker(some admin). Have a place where it is an official bank place. Such that banker don't run around and let people act like a banker.  Maybe bank loan have 1-5% intrest?    Consequences of big debt: unable to buy anything from gtl above 10k? Auto deduction of money when ignores warning?  Can't loan anymore money for next month