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gg
The mod is very interesting but the fact that the sum is not inherited upon death lends itself to all sorts of abuse. Please, let the heir continue to have the loan.
Another thing that might be considered is to tie the amount of gold offered to the Prestige of the character. After all, not everyone should be lent 2000 gold independently of their prestige.
Other than that, very interesting mod!
Your Mod could be very useful and you had a very good idea to put it in the game.
I like only mods with realistic mechanics.
For sure you have created this Mod without the purpose to do a cheat-mod,
but the absence of the obligation to pay back the money and no debuff-inheriting for the heir,
don't sound realistic.
I mean, no moneylender would avoid persecuting me if I didn't give him back his money.
For sure he would beat me or kill a member of my family for example.
I don't know if it's possible to put it in your Mod, but you should think of something like a "loan deadline" within which to give back the money (or at least part of the money), and serious consequences for the borrower and his family in case of non-repayment of the loan (...also for his heir).
You know...this is how it works in reality.