Yeah, you're right. I'm open to new abilities, but I had a really hard time making the card balanced with some sort of ability that was more like a real loan. The ability would usually end up being useless or OP with multiple sharks. Sacrificing loan shark was more of a fire or death card.
Do you think I should go with something where you gain quantum and sacrifice a pillar? Water has other cards that transform a pillar, so this kind of fits with the theme.