If I had to make an educated decision on this user, I would say he is infact using the loans to gamble.
He has appeared to pay his loans bac thus far.. I am not sure if his account would be worth collateral in this..?
Always use caution when trading!
It really don't matter if his account is worth the amount of the loan because he is not giving up control of his account. What matters is if his
reputation is worth the amount of the loan he is trying to take out, and it is not, at least IMO