Things happen to people to lets say Person A)Barrows from Person B), Person B) then has things that happen that prevent them from now playing royals any more. Person A) loses their money, especially as someone stated lets say a New person wants to HP wash, but cant afford it, well that person quits because they don't enjoy it. Its just too much of a jumbled mess, and overall I doubt GMs would even want to implement this as an NPC, because it literally makes no sense to, nor does it make sense how an NPC could "give out loans".
It seems out of my jurisdiction. But I realize that we are free to do anything which entertain us, so why bother give it a try. BTW, this is something totally new in this game, so it will be a lot harder to implement than like fixing Horntail and I don't think they should spend time to make it happen.
The only way this would work is if it was completely internally coded. I don't see that happening (at least any time soon), and so much of the game is random chance/dependent on people playing, it's not like real life where it's VERY hard to run away from debt.
