Shouldn't you also deduct interest on your loan, and impose a time-limit on repaying it? For example, take out 10,000 as a loan, with a self-imposed interest rate of 10% compounded quarterly, and you have to pay it back within 10-20 (or whatever) years. If time runs out, you pay it back anyway and deal with being in debt again.

Just a thought, since taking out a loan and paying back with no increase and no time limit isn't really... well, anything. It's just giving yourself money, and paying it back when you feel like it and don't have to worry about money anymore anyway.

Cheers.