Mulling this over. Have heard such a thing from saifdean at some point, but still don't see the problem with agreeing to pay back in kind if it's actual BTC being lent and BTC paid back. I may not want to carry on with encumbered asset, and you might agree to that. So we'd be mutually ok with such an areangement. I take the risk of default, so we're all good. I think it's like John said, where the real issue is lending credit money in the first place. Not sure still, just wanted to reply for now to let you know I'd read and appreciate the reply