You're describing
Nanaimo Gold. To stay profitable, they charge a
massive spread. They're currently selling Bitcoin for $11.85, but buying it for only $6. Your exchange service would have to do the same thing.
No, not exactly.
What I'm describing is something that will be fully transparent to get my trust and to win my coins (even as a loan...). Also I'm requiring some trusted 3rd party (large international law firm, for example) that would vouch for the company and the people behind the company.
Nothing like nanimogold.com.