Well, it is good to see that there is a general consensus out there. When reading the rules, it just said that you are given a loan card, not that you use it to pay. We thought that the penalty was having to pay interest and having to pay back five for the four that you get. We thought it was strange, but hadn't played before so just went with it.
Knowing how that works now will make our next games different, but probably better also. Thanks for the clarification everyone.
Knowing how that works now will make our next games different, but probably better also. Thanks for the clarification everyone.