A large thing keeping me (and likely others) from the loan system is the inability to access it without exposing themselves in a way they dislike.
I propose the ability to access it (and the bank) while disguised. Maybe only with contacts and wigs, maybe all disguises, but since the messaging of the bank already says you can't access the bank without SIC, why do they care if you are wearing some contacts when they can read your SICID?
I would be getting loans left and right if I was able to pull them while disguised in some way, and I suspect others would as well.