Any business venture or activity that is intended to give a return always has some amount of risk involved. Giving loans on this forum is a good venture for those who like to make a few coins on top of their bitcoin. However, not everyone is honest and other people come here for different reasons. Some will request for loans to gamble with a hope that they will multiply. As it is with gambling, they will end up wiping out everything and have nothing to pay back. Anyway, as long as you have their collateral, you should have no problem.