Expected improvement in Gameplay:

More options, dynamism.

What the idea comes from:

This idea is borne out of the need to have free finances to take advantage of business opportunities, like sudden surpluses or shortages, cheap claim card or much-needed dynamite.

How it would work:

Addition to the current cash-debt system.

Player would have the ability to take a lump-sum loan of say 10k at very high interest (triple D?)

This loan money can only be spent on resource purchases.

Any debt repayment preferentially first goes to repaying this loan.

Once loan is repaid it can be taken out again.

Caveats:

A system like this would allow skilled players to make cash from power rather than have it go directly toward dept repayment. Perhaps power should go to cash rather than debt repayment like all the other resources?