It depends on who will ask for a loan to me. If I knew that person closely, I will loan him but not for big money because I will think about how he will go to pay the loan. I don't want to give another trouble for lending big money to him, and I don't want to give the money without I can get that money again. I will try with some money to test it for a while and if he can give the money back, then maybe I will lend him some other money. I think I will give him fiat so he can buy any coins he wants.