Ok well i think that there should be two kinds of golds one is the forum gold and one is loan gold each person starts out with some sort of loan gold ammount and depending on how much loan gold you have this is how much you can take out of a loan from another person you give the other person this loan gold and they give you the forum gold then when you pay back the loan they return the forum gold and then you get more loan gold from a mod how ever if you dont repay the other player keeps your loan gold reports you and you get locked all loans will have a mod used