Merchant Archive

Wouldn't it be pretty cool, if merchants had the ability to setup a loan system, where one could lend credits to a player inwhich would be payed back over time. Could either be directly taken from bank account or sent by the player via the tip option. Each player could have a credit rating. Now Lets say a player doesn't pay on time or doesn't have the money for the direct withdrawal. Well The merchant could hire a bounty hunter who would be able to collect whatever money the person held in there inventory. Via either killing them and being able to loot the amount of money owed, or throu maybe an investigation skill. This load system would allow the merchant to make money on intrested earned, and would add something cool to the bounty hunter proffession. what do you guys think about this?