Maybe I shouldn’t have brought up Micro Loans and NXT may not want anything to do with them, but in 5 years I might want to help out the lady next door with her new small business by giving her a micro loan to buy a sewing machine, I wondered how the NXT platform could be used to both our advantages. Could NXT be the platform for micro loan contract/implementation/repayment rules etc, but then a different currency,lets call it DOSH or MicroNXT, which is built on NXT and my preferred day-to-day currency and which the sewing machine shop also accepts. So I can pay him but when she comes to pay me back, she still uses Bitcoin, so either she or I exchange that back to my preferred currency - DOSH.  I'm just thinking of future real world applications and how this could play out using NXT features. If she splits with my Dosh, then that’s my bad debt and I adjust the contract accordingly and also write negative feedback in her NXT public profile. That’s the way of the world.