I propose an answer to this problem - as irl we can have THE MOB - if you don't return the item - someone will come to your house and break your kneecaps (or appropriate body part depending on the severity of your indiscretion) and of course that would bring about the natural evolution of the introducing of
INSURANCE companies.
MA could sell insurance broker licenses to people and require that all people have insurance within say 10 days or so or you will be relegated to the salt mines - err sweat mines - for the endurance of your life in
EU also if you don't pay your premiums you will also be relegated to the sweat mines (of course this will only be until you purchase insurance or catch up on your premium payments and associated reinstatement fees).