I didn't assume anything, I actually clearly stated that any system to prevent loans from turning into theft would be vastly overcomicated.....we are trying to get a trade system implemented, which in of itself is vastly complicated, so to try to add a loan system would make it twice as difficult to achieve, and half as likely we ever see it.....secondly, my suggestion was even trades, so if you have 200+ energies and 20 shards, and your buddy has 200+ shards and 20 energies, by all means, trade him your energies for his shards.....but trading exotics for anything but exotics would lead to exploits and again cause more problems and ruin the whole idea and game