I will just say that STO is a sci-fi MMO game. It is not a financial MMO game.
I prefer not having to worry about making loans to various players of dubious credit worthiness. Then having to pool all the loans into CDOs (collateralised debt obligations) that would spliced and diced into various tranches by their degree of exposure to default. And then figure out the value of each of the tranches because they are all made up fractional individual loans that ultimately make it a nightmare to figure out their actual value. If the actual value cannot be discernible, then they basically become illiquid which causes their intrinsic value to fall.