Ok so this is a great idea but it does have some flaws and i'd like to see if i can contribute!

I have two payment plans (but I do like the second one better), along with the plans debtors could also pay off chunks of the loan and this active payment would have no interest applied, whereas the passive payments would have interest applied.(this interest would increase over time like in real life ie- first week/ 5%, first month/ 10%, fourth month/ 20%, i dident realy math this out its just an example.) This would make both parties involved happy by-

loner/ net gain from passive interest as well as a steady alternative income flow

Debtor/ the chunk payments will create the illusion of bargain- which will activate the reward track of the brain and of course financial freedom cuz of the lone.

Opp 1-
The loner would choose an amount of daily repayment anywhere from 0-1000 but not exceeding 1000. (my resingin is that i can usually get around 1000ish from dailys- and that was from a smaller house and now i have a bigger one so more kush for me uwuwu) these charges would have interest percentage applied and only a certain amount of the charge would actually count towards the loan. Until the daily quota is filled the debtor cant collect any pc for themself. Because this is a harsher plan the interest would increase slower then the second.

Opp 2-

There would be a lone tax on all the pc that the debtor receives. You could toggle the option to see the removed pc value (personally i'd like it off, reduces anxiety u know) becuse this is not as harsh of a plan the interest would increase faster.


I think it would be a good idea to have both plan types because if the lone was spent on a large onetime purchase then the debtor wont have much pc left to sustain their food supply and eventually if they used the first opp then they would flatline on pc production. So the second plan would be better for that. But the choice should still be available incase the player wants to be hardcore or somthing. (they might be a just rip it off- bandaid- kinda person) wheas the second opp still allows pc flow (even if its reduced) and the player can still buy pumpkins and keep supplying a rainy day fund. This also really would be educational for younger players (idk the target audience for pix pets but if i found this in elementary id play the hecc out of it lol) providing good budgeting experience. It would be much better then any curriculum (abou 98% of what you learn in school is promptly forgotten, whereas the statistic is practically flipped for play learning techniques) so yeah i think it be a really cool thing to implement