[Darkyoshi12345]

Make it so the player can't spend money until he has enough money to pay the loan for the day, it averages the loan by 30 (Hence the 30 days), then if the player wants to buy something he has to have his loan money, but he still needs more to buy an item.

Say a gun costs 200 bucks, and the daily loan is 8000 dollars.
If the player wants to buy a gun he has to have 8200 dollars. Seems pretty good for a collateral.