of course it is very risky.
at first they wanted to borrow money or bitcoin we have to face that really should be loaned out, and when they have money, they probably will not return and instead use it for other purposes. beware lending
Yeah taking a loan is always risky and a negative thing in my opinion because you will have to pay more then you will loan. But if you can pay it without a problem it should be no big deal to take a loan.
I also believe that giving interest on loans is not a good point, person ask for loan because he is need it and we have some money then why we ask extra money from those people who already need some money, we have to help them in starting their job or some business.
Because loaner also need money to roll simple answer for that because they want to make profit For their money andit is risk for them also to give loan for people they dont know. And The loaner also will get profit for their borrowed money because they barrowed it so they can invest on what they want wish to join for. Giving loan is risky for your money high chance for thatf is you cannot get back your money in The right time and if you giving loan online the bigger the risk and better say sorry for you f the person relly dont pay.