I have also discussed this as a loan to someone else just a while back but the lender just stopped replying to me..
Here is the link to my loan discussion..
https://bitcointalksearch.org/topic/altobit-ethereum-cloud-mining-5-btc-collateral-i-will-pm-acct-deets-1433219
You can see the potential profit from one of my replies..
If you need anymore info please feel free to ask me.
Thanks,
AltoBIT
The lender stopped replying because he was vetting you, and didn't feel comfortable with offering you the loan. Why? Because he stated exactly the same sentiment that EVERYONE ELSE IS THINKING, which I also stated above.
Anyone that has the full amount to lend or invest with you would just take the damn contracts themselves. And anyone that doesn't have the money for it is probably because they don't have anywhere remotely near the 5BTC, so why would they give you a fraction of their hard-earned Bitcoin?
I understand that what you're trying to do is beneficial to all (in your own mind), but there is a huge risk involved that no one is willing to stake. That risk is cloud mining. And if I really have to explain why cloud mining is such a huge risk, then you obviously are not fiscally responsible enough for me to invest in.
The best thing for you to do is to close this thread and move on. The more you argue your point, the more you just show how uneducated you really are about earning Ethereum outside of staking your own ETH. Sorry to be so blunt, but that's the cold hard truth.