For a while I struggled with the intricacies of the economic situation that is Sindome, but I eventually learned how to flow in the mix, and if there's an OOC tip I can give you with regards to 'getting it', it's study economics. When you understand economics, and you look at the gargantuan diversity of items in the game, you understand that having an NPC to accomplish given task X isn't always the best solution.
I've come to understand the value of the passive approach where you make tools for creation instead of creations. Sindome is filled with a countless number of them and it's these enabling forces that give rise to archetypes like the muscle, the fixer, and the loan shark, rather then hard coding their paths into the game.
My point is if there's a lack of people loaning you shit, it's because you've not asked enough people to talk to their loan shark. If I wanted a loan, chances are real good I'm going to like the terms I can get from my buddy more than what some heartless code will give me, and I'm kind of at the point where I feel like people are asking for the devil to appear when they ask for things to be coded because they don't know anyone who's filling that role already, and they so frequently don't understand the full ramifications of what they are asking for.