[Casius]

Player Based Loans are going to fail, and hard.

Bank Based loans could work.

Borrow up to 50% of your house's current value. Low interest Rate. Daily Payments: if you miss a single payment, the next day's gym trains revert to like you didn't have the house, if you miss something like 10-15 in a row, your house gets repossessed.

This way would restrict the amount of borrowing for lower level players, yet have enough punishment where the higher level people would respect the payments.

Could definitely get interesting!