User blog comment:UltimateGohan13/New Idea/@comment-4640094-20111016152048

Wait. I think that you should be debt. Like in real life. Taking away XP Points based on not paying the bank back. Seems kinda weird. Especially since XP Points can be hard to earn. So if you have 2,500 Zennie and took out 5,000 and used it. And didn't pay it back within the time you where suppose to. You would have -2,500 Zennie. And would have to keep working to get your Zennie back up again.