Here is one more question: Will there be an opportunity to buy your coins, while playing?(I mean if I've lost all money, and want to return to the game?)
This possibility is difficult to implement technically, during the game you will be able to take a loan and return it later
But you said, that only premium-acc holders can take a loan, what I got to do if I am simple player? I think your way is not effective
Yes, only experienced players can take credit. You will have a warning at the beginning of the game about your balance, so it is unlikely that you will have such a situation
I support Alexander, he is right. If I am beginner, it would be more useful for devs and players to add in-game transactions for everybody.