This is where the Bank should be adjusted, Instead of the loan being set to the Maximum amount one can borrow, it should be set to the lowest amount of Reals, and then adjusted by the individual. I'm sure alot of the new people we see being shackled due to loans is just aimlessly clicking on the real button. And i've known of a few people who have done it at the maximum level (which for me would be 106.66) People make mistakes, and I think adjusting the loan rate to the minimum would be beneficial to all. But then again, it's a pay to play game, and this option allows the game to make money, or your shackled.

You can always give back the whole loan instantly you just took and re-take the only 10 reals as an example.