It's barely science anyway, since it depends almost completely on the whims, actions and reactions of humans, a species that acts quite irrationally most of the time and cannot be trusted to act irrationally in the same fashion most of the time.

Some are on auto-pay, but others provide to log into my website and pay, and some people still prefer old fashioned check in the mail.

Like I said I have some REI in my family but they've always done things the old fashioned way and I don't know if that will work out in the best way for me.

Jewelry is expensive to make and therefore you are paying for more than the value of the gold.

Can the same Anonymity be achieved in another fashion such as blind trust etcPlease share your experience and setup and why did you do

Debt is more limited in the upside, but its payments gets first priority from cash flow and is usually collateralized in some fashion (i.e. the debt holder gets something if the borrower can't pay, like ownership of the property itself).Your situation seems different in a few ways.

You can be sure it got done and sent out in a timely fashion.  

Likewise, you should be able to return it in any fashion possible as long as you have documentation that she received it (Venmo should have a record in lieu of a cancelled check). 

Furniture, jewelry, paid off cars or a lien on your personal home?

I did get the loan after a fashion but had to jump through some hoops.