It's not the repayment that throws people off. So offering to pay faster or higher won't do a single thing.

People just think you'll run (let's be honest, you either will or gamble it away and lose) or keep the money for yourself.

What do you mean you mining costs? 0.05 won't get you very far..
Find something to give as collateral.

Someone scammed for 6 us cents lmao