Yeah, Capitalism 2 is a totally different creature, the loan thing is the only thing in common with CiM2 really, and then still quite different as Capitalism is even more realistic while CiM2 does it much more smoothly and a lot simpler. One thing I think CiM2 does much better in this regard is that it has regular downpayments which gives a whole new dimension to managing your debt and also makes for less micromanagement. If anyone should get the urge to play it however, I would recommend the new expansion called Capitalism Lab. The original creators tweaks and alterations built up over many years and released a year or so ago. Be warned that the company making it is now mainly a mobile and "casual" game developer who have opted for online DRM and poor sales and little attention probably means it has an uncertain future. But the new features and tweaks make the game so much more playable and interesting that it is worth it IMO, but again I'm a sucker for this sort of game.