You ask for a Loan after you observe and explain the rules, as you want to "explain" them and suits you.
In fact the rules is more than simple and doesn't need any hard thinking or further explanation. Except if you are a defaulter/scammer and want to "justify" your "request".
Everything that you say is pure nonsense. It's obvious that you say something just to say something.
To me those words of yours doesn't bring any laugh, only disappointment and indifference.
The rules are indeed simple yet requires much hard work or blowing your crotch harder and forces someone to offer anything out of crap so that scammers gain more crap and make more crap. Those rules makes you build a time-wasting reputation. The rules are simple yet underneath were manipulative scumbags. Nothing is more than simple.