The idea is to have a credit system, where lets say 1 credit = 1Mbtc, to open an account you sign up, give as much personal information as your WILLING to give, and you start off with that base amount, so lets say you spend 1 BTC, it will take away 1000 credits, then you have to pay back 1.1BTC, interest rates will depend on your trust level. The more you pay off and the faster, the more credits you will be allowed, so after paying off 1.1BTC you get allowed 100 more credits + those 1000 credits.

Questions:

Would you be willing to sign up for this?

Would you invest in this, on crypto stocks?

This is just an idea, noting offcial yet, if ever.