Sigh, my lack of knowledge of Mtg cards is causing problems once more, I didn't know that was a thing, I guess It would need shroud like you said. And I was so proud of this card too, damnit...
While you make a good point that this does give it more interesting synergy, I think the *predatory* part of the “Predatory Loan” implies that from a flavor standpoint they want to create a situation of it being damn near impossible to get out of this loan you’ve taken out. Which I think is interesting flavorfully!
Maybe he could have it give you an emblem with the same effect as the counters? I don’t think there are any non-planeswalker emblems existing, but I can’t think of any rules reason you couldn’t have an artifact make one.
Emblems are sort of a last resort - or should be, because they are a pain to track since usually people don't have the specific emblems and just use tokens or whatever for it.
V2 - 0: add 3. You get an emblem with upkeep, pay 1 or lose.
This prevents a lot of problems and hard locks. For instance, if this becomes a creature, the game ends in a draw.
How is it a draw if this becomes a creature? I'm not seeing the interaction, though I might be overlooking something obvious (my brain is currently deep fried).
If the OP card becomes a creature, then I believe the last sentence of the card makes it dying (edit: specifically from damage or having 0 toughness) into an endless loop.
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u/11spoons 8d ago
My first thought is "use three times and donate it on turn 3"