User blog comment:NotAnEditor/Wikian Economics/@comment-1024726-20090817184137

Well, loans from the bank, at least. It might be unfair for someone to loan from another user and not pay it back.

To simplify things, maybe users should just loan from the bank and no one else.

Oh, and the bank is not run by BOBmasters. It's just a place where money piles can sit and grow. Users can also take loans from the bank, though that should be used only in emergencies (and the amount of money loaned should be fixed or limited).