Hi ,
Sir its me back with another cool suggestion.
How about letting people send gold or items through house mail .
I.g suppost person A took a 1000 000 g loan from person B
,the next day person A has 1000 000 g ready but person B is offline .
Person A can the conveniently send a house mail . Letter along with a 1000 000g
To person B in good faith that person B gets on and as he does he gets the gold via house mail .

Your truly,
Happydino