I think the hangs make some sense. They would also screen those who are serious and intentful from others. I agree that while theoretically, from an economists perspective, the banker system might work, practically it sounds nightmareish to me. And please do not misinterpret this as being disrespectful in any way, lately economics have not been too terribly grounded in the real world. And PLEASE no one start going off on me for that statement, I want to keep this related to loaning gear.