Congratulation to both loaners. That is a lot of trusts based on the market price since its fluctuate all the times. However, I believe you already think of a way and forecast ahead to ensure the average price in return.
The Ultima games just a simulation of some real scenario in life. The scenario of beggar reminds me of the real one. Whenever we give a penny to a beggar, we are actually creating a fake hope for them and they will eventually come back to beg more. It is better to find the root cause and help them to get a job and make a living.