»Annihilation Loan Shark Idea

The idea of a loan shark is that he will be a NPC in the main lobby. He will give you a certain amount XP and you have to pay him back about 3/4 of the XP he gave you. The max XP you can get from him is 10,000. The loan shark has a cooldown of 2 days. If you fail to pay him back his XP within a certain amount of time, he will send 3 Zombie Pigmen every 30 seconds after you ingame. If you die by the pigmen, 1/2 of your XP will disappear.

This is meant for players that are new or have a hard time getting XP. It should help because basically, you're getting free XP every 2 days. Unless you buy a new kit with the XP you got or something like that.

P.S.
This idea is kinda dumb, but at the same time, I kinda like it. Any suggestions for this are accepted.