it's about the rights of players , if you want to take off something from people ,you'd better have a good reason , or at least make up for it .
a general loan will cause 5%/week fees in this game , and would the GM(i mean game manager,not law-executor) pay for the holding mins ? Time value of money.
withdraw is an over-reacting change , i use this to attract serious attentions , to warn that don't take thing so easily .
in real life , if you are paid by weeks , suddenly , your boss tell you that next time , you will be paid by mouths , you won't accept it without a fight do you?