No matter how it looks, I'm stating facts here. It's not like I'm trying to increase my offering at the last minute, its the same offer I've had all along... I need 4.5, and will repay 5 next week.
You're wondering why nobody loaned you yet? Let's use some real world examples, shall we?
You are at a cafe. A man suddenly walks up to you, and asks to borrow $3000 USD in cash. He says he currently has the money to pay you back once he gets his paycheck next week.
Do you lend him?
If you say yes, PLEASE, dear God, get out.