Firstly, it doesn't take months to make that kind of money playing HS. I managed to get over 150K in a matter of hours, without basing, so the frivolous 'it takes months' comment was just you fapping. Secondly, any loan system requires interest. That is a variable that you're free to choose, but seeing as Hyperspace is full of people that hate each other, if you want to go with a system that can be easily crippled - that's your (dumb) choice. As I've said multiple times (hence why you're missing the point) any interest/credit value etcetera can be adjusted based on risk. The system I proposed was merely risk free (as per your request in the first place). Thirdly, the whole reason we're having this discussion, is because you wanted to eliminate the chance you can get scammed. So, yeah - we should talk about 'scammability'. Your system is based on your judgement of a person you've never fucking met, who plays a 2D spaceship game, which revolves around making money - and said person stands ZERO risk if s/he doesn't pay you back, and the staff will NOT help you. If you think that's a bright idea, then you're clearly not the brightest crayon in the pack. And finally, I am really growing tired of rebutting your poorly written, illogical posts. You're clearly: 1) a douche, for making a big thing out of nothing; when this started with somebody trying to help you, which leads you to also being 2) a prick and 3) a waste of my time. So to summarize: 1) My system is 100% automated. 2) It requires next to nothing to start, and maintain. 3) If it gets scammed, it's not a big deal. 4) Would be completely open. 5) Would be a beneficial service. However your system is: 1) Just you hacking together some basic Java bot that does nothing but message you when somebody wants a loan. 2) Is nothing like a bank. 3) Requires a LOT of your money to be useful and/or maintain. 4) If you get scammed, you cry like a bitch and system goes bye-bye. 5) Is about as trustworthy are you are. 6) Is beneficial only to the people you like... Now stop your jibber-jabber.