Can Bitcoin create subaccount trees? Being able to create subaccounts would enable multifunctionality to the Blockchain. E.g. wallet/lend/wallet2/1 would specify a particular loan. The loan could be paid out of and into this sub/sub/subwallet. The loan history would be recorded in the blockchain.
Is anyone creating loan accounts on the block chain another way?
Bitcoin works on the concept of inputs and outputs, see
https://en.bitcoin.it/wiki/TransactionWallets and accounts, sub-accounts etc are, more or less, abstractions. It seems like you want to build something on top of the block chain, but I am not sure exactly what you are proposing. Depending on what you are trying to do, someone might have solutions. It looks like you are, perhaps reusing addresses (again, something of an abstraction) which also is not recommended.
If it is just loans on the block chain, perhaps you could do something with colored coins or maybe multi-sig, but since I'm not sure exactly what you re asking, that is just a guess.
If you can explain more, perhaps someone can respond in a more detailed fashion.
:-)