Every day at 5pm, Davis collects on overdue loans. Each unpaid debt is added to this bar. The market no longer resets on a daily timer — instead, once unpaid loans reach 10,000🪙 this bar fills and a market crash hits: a random handful of coins each tank by a random amount while one random coin spikes up (which coins, and how hard, is unpredictable — so you can't just short everything), then the bar resets. Pay your loans on time to keep the market stable.