I think that borrowing system is definitely something worth looking into, if implemented correctly, similar to auction when you can list your items at a cost for duration similar to how listing duration works. I would definitely like to rent out my items for passive income or even borrow just so people could use them (Especially vanities)
Also maybe something worth considering is a buy order auction? where a buyer can list their price for an item , the seller can pick the highest offer currently for quick gold
A challenge for this system would probably be the catalog of items the buyer will have to select the item from, And for equipment, The system will most likely not take the awaks into account.
As for hurting the spacetime economy, i think it will most likely help it, people will definitely open alot more crates as items needs to be unboxed to rent them out.
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