If you have the money, why make your life complicated?
You need to buy xano, then, deposit it and then, you can borrow?
And you need to pay fees for the money you borrowed.
With the processes that you need to do here, somewhere you lost already your money.
This is combination of the current trend -lending & masternodes, where only the dev team can really gain from such services.
Obviously we're not going to require 1:1 otherwise I'd see where you're coming from. This is also why we require government verification. You also shouldn't be losing money since you're getting a reward for the deal as long as its completed.