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Late answer, but how about allow other quests and for every mandatory quest not competed at the end of each round, deduct 2 points. So an annoying penalty that can get progressive worse, but not devastating, and can be ignored, especially late in the game.
I wrote a Mathematica script to handle the dice rolling. It keeps track of all previous dice rolls, and weights the next dice roll probabilities according to the difference (expected # times rolled) - (actual # times rolled), so that the actual distribution converges faster to the expected. (And dice rolls on different turns are not independent.) Though ...
I wonder if it wouldn't make sense to demand collateral loans while the future trade wouldn't take place. In this case the risk would remain for the contact proposer as if the future trade wouldn't take place the collateral could be used by the player who would not have received the future traded value as promised.
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