my grandmother allways used to say: You should never loan out what you cannot afford to lose
tho scamming a loan is REAAAAAAAAAALLY low..
How about making it a public service offered by d2jsp, with different set interest rates for different time frames. If you do not pay back within the given timeframe, you will be autolocked.
say for example you wish to borrow 1.000 FG and payback withing the hour - 25 % interest
and make different rates for 1, 2, 4, 8, 12, 24, 48, 72 hours? ^^