nulledabyss thanks for your feedback! I did try using a lower interest rate, but it created another issue: players could take out a loan at the very beginning of the game and level up too quickly. That said, I'll give it some more thought.
The game is still in an early stage of development. I intentionally released it this early so I could get feedback from real players and identify its weak points.
Also, I'd like to clarify that the accounts that left comments on the game are not mine. They're from other players who tried the game and decided to share their feedback.
Thanks again for taking the time to leave a comment!