Maybe you can change the issue with short loans (1 day, 7 days) in such a way that if I lend for X days, I get my money back in max. X * 24 + 24 hours?
the time frame 1 7 14 30 60 is not set in stone, there are user that lend funds for 2 days 8 days 15 day 90 120 90 and even 365, so I don't know until what point this is a issue