This is not a solution, this is headache for Nordeus.
There is a flaw in the feature that some managers can exploit, solution:
a) Nordeus announces that this kind of behavior (well described behavior the same way they did with VPN use) is forbidden.
b) Enhance the code so this exploit cannot be done, or at least limit it down.
---> taking back the healing of a loan is the absolute solution, but I agree with you.. It is useful sometimes especially considering that in associations days most of us play 4 games at that day.
---> association feature unlocked from 3 or 4 team level. (Like the negotiations) This could be a possible solution, this would make new managers not to be ghosts trying to unlock the feature and of course exploit cannot be done.