I think it would be awesome! Imagine you just got this really big payday for raiding something and you are super excited! Now let's say you just bought a house and in order to buy that house you had too take out a loan. So some of that money will go towards paying of that mortgage! And also you are all guardians! What are you going too do after countless missions and raids and shit? Why retire of course! And for that too happen you need to put a little of that money away in social security! After you do all that you have too pay for one last thing... Welfare! For all of the lazy as -blam!- guardians. I believe this realistic system will teach destiny players the value of money and the added bonus is it will make them more responsible for it!