I agree. In my opinion, he wants to help people with loans, he doesn't actually need them. 0.3 back to MZ is 300% return! I think Bob is just some guy who made it rich with bitcoin, either through investing or something else, but he can't withdraw because it would look suspicious, (a few grand in digital money with no records of getting it since it is digital money) also taxes. So instead, he gives back to the community! Such a generous guy, I don't know why he has the 1 neg rep. It should be removed IMO!