It just looks like Adamant doesn't understand why is it going to become too much of a problem if implemented when I talk in English, so I wrote up some explanation in Russian, yeah.

He mentioned surety bond that we have irl, but that thing is absolutely not going to work in Toribash due to several reasons (the simplest one is why ask for TC from bank when you have friends who have that sum of TC you need and they're ok with paying for you if something goes wrong - I bet it'd be easier for them just to lend you the TC instead of having to deal with forum staff when you end up broke).
Real banks only lend you money when you assure them that you have stable income that'll allow you to pay in time (or to pay at all). In Toribash there are no "jobs" and the chances that you'll lose everything in the next duel instead of doubling what you have are pretty much the same.

Main question is why introduce a feature that requires so much behind-the-curtains work and is likely to be abused?