Hmmm... stop giving loans to the first dude knocking on your door : D
If you want to give a loan to someone, make sure he gives you a reference of a person/company that can't disappear just like that. So, if that player doesn't pay the loan, you have someone to shoot in the head.
Does it kill new players from getting loans? Maybe, but we all got our big transports from trading/mining hard. And it could be a good chance to give those new players a reason to interact with others... making relations.
Asking for references is the very best way to ensure a loan.
Just my thoughts.
PS: Go back to Admin team.
PS2: General question... if you all give loans for a way of interaction with others, what's a better interaction than the loan not getting repaid?:DDon't give money to people if you are too affraid of not getting it back. You can take a loan from a bank, and not pay it back. Then you disappear, of course, you won't be able to use your name in any legal transaction anymore, but the references you used to get that loan, aka a house, a car, something, that will go to the bank.
Bank loans aren't given to people who don't posses at least the amount they are asking.
For example, I take a loan to buy a house, I need to earn X minimum on my salary, or they won't give me a loan, not only that, the house I'm buying gets a mortgage to protect the bank's interests. Say I don't pay the mortgage, I not only lose the house, but I won't be able to get any other loan anywhere.
How to apply this on discovery? It's tricky... With /movechar, and /renameme, it's hard. Not to mention that you can even transfer credits face to face... so...
Easiest solution... don't give loans.
Not so easy... get good references.
