Tell me, are you a lender? I am guessing not really. I don't see you giving out loans or even having a lending thread.
Then if you checked out a few lending thread you'll see that 1%/day is really the going rate of short term loans and long term loans will probably hit 120-200% easy.
Why would we unite under your banner if you yourself are not a lender. I am guessing all the lenders here know the risks involve in what will happen on August 1 and the next few weeks.
Rates here are higher for fair reasons. I was only referring to exchanges, customer service issues aside I think the big ones have decent capital to back themselves up if/when something goes wrong. Lending exists outside of bitcointalk, understand if some people see it differently.