Extending short term credit

Hey guys, I'm sitting here at McDonald's playing Co and found myself short of the gold I needed for an upgrade and no gems (or Google play cards) anywhere around.... I did however have a *BRILLIANT* idea:

CoC should offer short-term credit for situations like this!

If the player didn't pay (in gems fully OR in gold or elixier for the upgrade and in gems for the interest) within the proscribed time, CoC could repossess the improvements (as well as any additional improvements that relied on the credited improvements as a pre-requisite)--MAKE SURE TO REPOSE STUDY WHILE THE PLAYER IS ONLINE... maybe with some dialogue and animation, that could be fun.