This account is almost worth 0.028 which means it is satisfying the 120% rule. So, I don't really understand what you are getting at.

Also, I'm about to win a contest on sportsbet.io that entitles me 80mBTC

https://bitcointalk.org/index.php?topic=1747222.msg17742365#msg17742365

That will definitely cover my loan amount if not my bctaccount