1. What is the basis of your claim that lending activity is without effort and risk, while clearly they poses risk of loan default and have to take effort on seizing collateral on such case? If I may add, on the very least, they still have to do a background check on the borrower. That counts as an effort.

As we told you earlier that in case of default lender can invoke the law.. There are terms and condition which already been signed by the lending and borrowing party. For Example if you want to get a loan from bank will they gave it to you without any collateral?
and we want to ask you will you give your money to a beggar if he is promising you to will give your money after 1 year. You may give him as donation but not to get your money back with interest after some time.

2. What's the difference between your project and a staking program? If there's any, kindly give a breakdown. If there were none (i.e. they're the same) there is a conflict of interest that you offered a program that you strongly oppose.

This is what Staking means in Crypto please read carefully.
Staking is the process of actively participating in transaction validation (similar to mining) on a proof-of-stake (PoS) blockchain. On these blockchains, anyone with a minimum-required balance of a specific cryptocurrency can validate transactions and earn Staking rewards.

While in case of IDF you dont need to be a Validator or stake your IDF on our website/Platform.