Unpersonally:
I havent taken any of the 0% loans for these reasons:
1.)The dude's were not online at the times of me Actually claiming a loan
2.)Usury religious reason aside:It kinda looks like a booby trap of sorts IMO, eg:i start repaying and the guy goes, "oh thats not my address wheres my ß?"
3.)It doesnt feel right to temporarly get a cash boost without penalties.
It's not like i wont take a 0% loan, it's just been avalible at times where im not avalible
Good explanation, thanks for the clarification.
The incremental loans are suspicious though. The fact that you didn't get anyone at... 45BTC was it? and you went drastically down to 20BTC