How can you trust allie to pay you back 1.1 BTC or the USD equivlant in 3 years if they do not reach legendary? Are you paying her to an escrow address that she does not have access too?
I got all my merit in a month. At the same rate, it would take 9 months to reach 1000 merit.
You will not have anywhere near the same rate due to the dwindling sMerit airdrop and due to your red trust.