In a possible bad case scenario the effects of any loans that could later turn out to be slow/toxic will be distributed pro rata amongst the depositors.
You can bet your other 2/3rd that this will be the case. Even if Patrick is being sincere, chances are very high that he lend money to people who invested it directly or indirectly in pirate and will be unable or unwilling to repay the debt. Borrow coins at 2% per week and get 5-7% per week. Its a no brainer. Either Patrick is very gullible or he must have known this.