Well assuming what you just said, is true, of course giving out loans is risky. It's like you gamble with your money in order to get 1 or 2% on top of it either in short or long terms and with the tendency of losing your money in case the guy who got the loan, doesn't return it. You could by some mining equipment's and contribute to the network as well and see the long term profit if you could manage and balance everything well.
Loans maybe too risky for those people who don't know to process loans or how to this process. Loans are not risky unless if you do the right thing and you know what are you doing with your loans.