Idea for Loan Shark

[ssuglia]

Or how about 1 or 2 points is taken for every point earned through posting and stuff to pay back the loan.

If they earn points you can just go to loan shark and basically take it out their account yourself, up to however many points they owe, I believe thats how it works.

Yes, that is essentially what debt collecting is. You can take any points the defaulter does have in their account at any time, until the debt is repaid.