I know this is far-fetched and would be very hard to work out, but what if there was a security? One such idea could go something like this...
If you are a loaner, you can open up the menu with /loan. You can see what loans you have posted and what active loans you are waiting to get payed back are. Should a recipient not pay back the loan within the set time limit (lets say 5 days), then the interest rate increases drastically (Interest goes up '200 + x + y%', where x is the original interest rate and y is the amount of days past the limit. After the time limit has double (in this example, 10 days), the loaner receives the following: all of the money out of the recipient's balance as possible (up to the amount owed), access to the top three most-used homes by the recipient, and access to the recipient's /ec, /pv, and inventory.
How this might work:
- A loan menu can be opened with /loan (9x9 menu).
- At the top, it displays a row of buttons that are separate categories you can look in (each being a different range of money) in order to browse loans you can take. You can open up categories, choose one, click 'open loan,' then confirm it in a menu that explains the final details of the loan. As you exit the menu, a chat message is displays that reads the details of the loan, what will happen if you fail to repay the loan, and a command to type (such as '/cancelloan') to instantly return the money at 5% interest - however, if the player has somehow already spent the money they loaned out, they are locked into the loan and can only pay it back like normally.
- In the middle/higher bottom, there are quick buttons they allow a player to easily list new loans (max of three loans at a time, more can be gained with higher ranks). Such buttons could be 5000, 10000, 25000, 100000, 250000, 500000, and 1000000 (which gives one space on each side to add to the aesthetic of the menu).
- At the bottom, there would be two main buttons: "Loans" and "Debts."
--- If you click on loans, it shows the current loans that you are offering. Paid loans ready to claim money for are green, outstanding loans are yellow, loans that are increasing interest after the initial due date are red, and finalized loans are magenta. Upon clicking on a green loan, you receive the money. If you click on a yellow loan, it just shows the details. Red loans will show the current interest level and the actual monetary value it equivilates to. If you click a magenta loan, it will open up another menu that has gives teleports to the homes, the /ec, the available /pv's, the balance, and the inventory of the recipients.
--- If you click on debts, it shows the current debts you owe. You can click on a debt, Upon which will open up a menu that shows the details, allows you to pay off half of the outstanding debt at a 150% increase in interest, or pay off the full loan.
The opening menu might look something like:
(Use the key below for understanding)
XXXXXXXXX X= Empty Space
XXLXOXAXNXSX Loans = Title Space with letter heads, used to show what menu is open, purely decor
XXXXXXXXX C1-7 = 7 Buttons for the different categories of loans to look through for the recipient
X C 1 - 7 X P1-7 = 7 Buttons for the quick placement of loans by the loaner
XXXXXXXXX L = Loans button for the loans you offer
X P 1 - 7 X D = Debts you currently owe
XXXXXXXXX
X L D X
XXXXXXXXX
(Not sure why I took the time to type this, but hope this makes it through lol)
EDIT: Just realized I made the menu without thinking of it being adjusted, sigh
