Loan Shark

{t}: add {3}. At the beginning of the next end step, you get three loan counters. (Players with loan counters can't cast spells. Loan counters can be removed at any time you could cast an instant by paying {1}.)
At the beginning of your upkeep, if you have at least one loan counter, you get an additional loan counter.
Pay 2 life: remove a loan counter from target player.