First let me say part of me loves this idea, and part of me loathes it. Also, I'm using a lot of words here, so my ability to communicate is libel to break down at some point.
Unforgiving Hutt Loans
Hutts are placed in back rooms of cantinas on Tatooine. Players visit them and take out loans, any amount of credits. The Hutts are happy to help! They are generous and understanding.
Repay the loan in full within seven days and is good.
This is the fun and evil part.
On day 7 if you cannot pay the full amount, you must pay at least 5% of the outstanding balance. 10% daily interest, or more, starts accumulating after day 7. This is retroactive to when the loan was received.
You may go back to the Hutt and ask for an extension up to 5 times, each time adding 7 days, but each time the interests goes up 2%, beginning that day.
If you do not make a payment after day 7 and you do not ask for an extension, the Hutt will put a bounty on your head. The bounty hunter will receive 50% of the recovered credits.
When you are caught up with and killed, All credit assets in your inventory, in the bank, and in your structures (the maintenance) are claimed. If the amount claimed is less than the balance, as the next of kin, your alt character will go through the same ordeal, though the structure maintenance may or may not be affected.
If the loaned credits reclaimed does not equal the balance. Interest goes up an additional 2%, and you are given 7 days to start repaying. It essentially starts over for the balance. The Hutts are understanding. They will give you 5 more extensions. And it goes on and on until the balance is paid. The interest will cap at 45%. The Hutt are generous and understanding.
If the player becomes frustrated and deletes the character, the debt is migrated to the alt character. The Hutts are certain the recently departed would want
Caveats. It the account's alt character is a bounty hunter, that character cannot collect the bounty. If he tries, the bounty will not be rewarded, and the Hutts will place a bounty on the alt character's head.
There are probably lots of ways players can find exploits with this. I'm not that good at exploits. Regardless, this is the type of thing that could be fun to think about exploits and then program a Hutt retributions.
Just remember, the loan is legit and may help, though the terms are in morally gray area. Just make certain you can pay it off. Borrow within your means.