In addition to all of Ashland's reasons, I am in disagreement with this because as it exists right now, if I borrow money from Ashland and then refuse to pay it back, he would have grounds to attack me, but maybe I wanted to built some support to defend myself from his retribution. As it exists right now there are a lot of chances for actual interaction and possibly drama. With your suggestion, it's just "I need money. Click click yay!"