Idea for Loan Shark

[bbno3]

That way people feel that staying on the site to earn points to pay back debts is much more worth while. Also there should be a 1 strike policy. which means if you default a loan you cant take out another loan for however long you was in default for from the time the loan is paid back as a consequence. for example if you have been in default for a month you cant take a loan out for a month from the time you have paid back the points. however if you have been in default by mistake and you have only been in default for a day you only have to wait for a day. this means the punishment depends on the amount of time you been in default for.