Your script 2 is VERY misleading.

it says in your website and post:"You got $10k for your bitcoins. Now the bitcoins costs two times less. And you don't want to pay $10k for what costs $5k. Use your $10k cash and buy two times more bitcoins."

According to your whitepaper, in a standard loan you offer 40% of the BTC value. So in your example if you received $10k for your BTC it means you deposited the equivalent of $25k in btc.

For your original BTC value to drop BELOW $10k that would be atleast a 60% drop in price, and that's huge even for a volatile asset like BTC.

The only possible way for the user to win money in a downtrend market is if there is a BIGGER crash than the one we just witnessed.

Lets assume the maket crashes to 50% of the value. So now your original BTC is worth $12.5k. You now face the decision to return $10k to get $12.5k back. If you can't pay moneto still wins $2.5k (even with a 50% reduction in prices).

In the end MONETO is going to win BIG with defaults. And will only lose if there is a huge market crash.

It would work like an insurance company for your BTCs... you keep your money if there is an absolute crash. Otherwise you just wasted money.

the conclusion is that there is no "free money" script with this system and it is VERY misleading the way is is portrayed.

In the end there are only TWO situations someone should be using MONETO:
1- If they need fiat money AND  know they can pay back in time AND think that BTC will have price increases.
2- If they think there is a possibility of a 60%+ market downtrend.

Any other situation is just wasted money.
If you need fiat currency and don't care about BTC prices, you just sell it at any exchange at better prices.
If you think there will be a downtrend <60% then MONETO will be useless.

The company model is legit and profitable. But it is not ok to try to mislead people. That's worse than banks.