Saying a statement is "ridiculous" but not explaining how isn't the best way to go with suggestions. You have 24 hours to pay back generally - Remember Ldw's complaint on Noah? Clarinet gave Noah 24 hours to pay ldw back. Anyway, the ignorant builder isn't losing anything from it, and he'll perhaps learn his lesson. We should have a rule stating the limits *cough* https://www.ecocitycraft.com/forum/threads/suggestion-cap-late-fees-and-interest-on-loans.144294/ *cough* as anyone who's posting a complaint should read the server rules. Not losing anything is different from being buried in a pile of debt.
When an experienced user accepts a loan with crazy payback rates... You can not blame age on someone whose been here a while. They know the basics and that the loan their agreeing to is not smart, but they agreed to it. An agreement is an agreement.