I am quite casual and I understand the basics.
Someone wants a new laptop, but he doesnt have the money right now. Loan him some ether, he converts that into fiat and gets the laptop. He gets salary and buys ether and sends it back to you. Both you and him receive free ELIX.

No paying fees/ interest to banks, but actual getting money out of the loan.

On the current price:

Wait until 2018. Then the app should go live. It's just a few months. Get them ELIX cheap, wait....?? PROFIT.