@zigeris: both ideas are not really bad, but exploitable i believe.
while that part might be fixable, it reads like an aweful lot of FLhook tracking, - the more of those are running, the less stable the game becomes - and the more lag happens. - and thats the main reason i see against such an idea.
it would be better - for the game - if we just had a few "gamemasters" that were given console powers and would adress story/faction related issues.
so they could do legit money lending and tracking ( if their idea of fun is accountants work ) - and give faction leaders their "tax-share" so those can hand it to their members.
a LOT more work and faith involved.... but at least it wouldn t add to the server-workload.