I see you point, but there is point where I highlight certains loans would be subject to Anti-Money Laundering checks and their own proof testing....its all on the blockchain, the trust built in the system, you are match base on your holding and depending on that you get approval...remember the blockchain is a public document so it is possible to look at those very transaction, that's another story if you consider anonymous coins but I believe it would all work out....the fiat launders everyday and I am pretty sure quite a few of those loans are backed up by absolutely nothing....