I just dont think a de-centralized system is capable of vetting people for loans and i'm nearly positive it isnt any good at prosecuting those who dont repay them.
You are thinking of WeTrust, as HumanIQ has nothing to do with loans.
There are too many ICOs. Nobody can keep track of them in their mind. That is why these ICOs are all going to fail and end up in an ICO oversupply graveyard with no buyers in the aftermarket. We are being saturated with too many ICOs. None of them can get enough mindshare. Our minds are overloaded.