Well assuming what you just said, is true, of course giving out loans is risky. It's like you gamble with your money in order to get 1 or 2% on top of it either in short or long terms and with the tendency of losing your money in case the guy who got the loan, doesn't return it. You could by some mining equipment's and contribute to the network as well and see the long term profit if you could manage and balance everything well.
It depends on the situation that you are in because a loan does not have to be risky, if you know that you are going to be able to pay that loan back then there is no problem.
But you should no gamble with a loan because then you will get your self in to trouble.