Just adding my own two cents to this idea:
Trading post style loans.
- A trading post of sorts is added to the game, from here players can choose an item to list, set a time they want the loan to last, and finally set a price they wish the lendee to pay for the item loan. To help the games economy, the post will tax 5%, awarding the item owner 95% of the paid fee.
This way we can remove any player interaction at all, whilst benefiting everyone in the process.