When you say debt collector, do you mean 'Enforcers' who would cause some 'discomfort' if they don't pay?

Unfortunately a more official version exists already at r/IdentityMMO

It would be nice, but the game is already said to have an 18+ rating so all servers are technically already 18+ servers. Even so it was already confirmed that unofficial servers will be an available option, so that would end being the case in the end in any event, because of added tweaking options available. It would be cool though if "addons" just for UI/texture related modifications were allowed (I am specifically thinking of how Elder Scrolls Online handled addons).