all bussness still can risky but you can minimum to risk
if you want loan you must use colletaral, is safe two person, if give and receive loan, and you not trust open service lending
you can use escrow, so pay escrow receiver loan
The risk can be minimize of course and that depends on how we treat and mange the risk, lending business is a lucrative business in the real world but online there's a bigger risk as though we can require a borrower a collateral, it's not safe still since collateral are not valuable as we expected.
A good collateral is a in demand collateral and digital goods is not that in demand especially BTCtalk accounts.