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!
Even though if he does gamble, the signature campaign he is with can probably make up 0.5 in a month if he posts constructive posts every week. I am fairly sure he can make the 0.5 if he loses it. The only problem here is the collateral for the 0.5. He jumped on his loan of 0.05 all the way to 0.5 which is almost impossible to get without collateral. I suggest you give your account as collateral and some altcoins to go along with it,
Cant give the account as collateral coz of the sig campaign. Even if I tell its not for gambling most wont believe it..