Prosboul and Shmita of Money in Our Days

Hello Rabbi Michael,

The Sabbatical year will soon end, and questions arise
1. Are there practical implications today for omitting money on the eve of the seventh day? After all, many people have loans that they have taken out and even given out (for example, they took out a mortgage or gave a loan to a bank/investment body as part of a savings account, etc.).
2. Is it necessary to make a prozbol perhaps to avoid the prohibition of money laundering? And if so, how do you do it? I know that it is possible to make a kind of general transaction permit, the question is whether there is also a general prozbol.
3. What about small loans between a person and a friend for which no repayment period has been set and for which no promissory note has been drawn up?

Best regards,