Honestly, I think it would have ultimately worked out fine if they hadn't had the Master blow it all up again. Now the whole arc of the Doctor coming to terms with it and fixing his mistake just seem a little pointless.
I think College Daze pulls it off well, but usually it just gives me a feeling that the game is going to be incredibly limited. I mean, if you want to write a scene with characters you made in DAZ or whatever, you can just create the scene however you want it. If you're using real clips and...
Basically at 24 hours you can accrue 2% interest and it's frozen like that until you collect or deposit which resets the timer. So basically if you wait two days and collect, you've lost a day.