From another player, a loan is for a fixed term and for an agreed interest. Loans from the bank are repaid at the end of the game. When a player moves a steer into Abilene it is sold. An alternative combat system seems desirable. Each play could be given a suit of cards.
Attackers place down as many cards as they wish.
Then the defender. The cards played are exchanged except the pictures which are retained. Only the players involved in the duel should see the cards. The player with the highest total wins, of course.