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.
Indeed it is risky if you take the loan then waste it on the useless things or maybe you take the high amount of loan from some kind of bank then they claim you had very high amount of loan but you I not get that high, so if you take some loan just be careful and just right after getting it try to invest the loan in bitcoin so that you will be able to have high amount of profit in future and then you will be able to pay for the loan only with the 20% of your profit out of investment so it think this way loan is not risky for you but it will be good for you.