With the release of avatars requiring the user to hold expensive rare items to get the latest avatar, obviously people are going to be looking to borrow items they cannot afford. And where there are kind people there are scammers who will think nothing of borrowing an item and not returning it.
So my suggestion/question is would it be possible to have an extra button on the trade screen that clearly states that the item is for lending only? When someone bids on an item instead of only having a BID button it could have a BORROW button too and on the accept/reject page for the owner of the item there could again be ACCEPT, LEND and REJECT buttons. That way if both players pressed the BORROW and LEND buttons neopets could keep a record somehow and if one player refused to trade back there would at least be some official record of there being an agreement to borrow not buy the item.
I dont know if this is a feasible thing to code as I admit I dont know much about coding webbies etc. But it seems to me that this would benefit everyone, as people with rare items wouldnt need to ask for such high collateral as there is no risk, therefore poorer people would have a shot at getting most of the avatars.
Sorry if I havent worded this very well feel free to kick me!
