Loans and Banned accounts

It was mentioned that there will be options for loans in the future.  I have some suggestions for this that would make loans vastly different than the way they work in MPL.  I'm also including suggestions on banned accounts because there is some overlying issues.

Loans:

Option 1(player driven)

Players can open a bank as part of their account(not a company like mpl.)  Banks list the gold that they have available and the % that they offer(5-15%.)  Every available bank/gold is listed on the same page.  The players find the bank they want, enter in their gold request, and press the request button.  The bank owner then can just hit approve or deny.  Being apart of the club office, bank loans are paid back at a rate based on 10% of earnings(not set payments.)

Option 2(system driven)

Like a lot of games that players can take a loan out as part of their account with a maximum set amount, let's say 1000g.  The players can select the amount of total gold they can get a loan for and they have to make a weekly payment of 10% of the total amount outstanding.  They can take additional anytime until they reach the maximum.  Clubs that cannot make their payment will be cut off from additional loans until their full amount is paid.

Banned accounts:

Banned accounts will have all players and recruits put on auction.  The proceeds from these auctions will go to the banned account and then if loans are active, will pay back all loans, any remaining funds will go 50% to regional fund and 50% to partners fund after the banned timer runs out and the team is reset.

if bank costs nothing yeah. mostly banks is not profitable, just because people dont pay back often or got be banned.

The main thing would be to not be able to take loans out more than the value of the club.  So a players maximum loan amount could vary, just depends on how much their club is worth.

what i was refering to when i talked about player loans was actual temporary player transfers between teams.

not money loans between managers. i dont see this happening.