Quote from: IDF.Finance on Today at 04:31:06 PM

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.

And filing a lawsuit for case of default, whereas, the case of default itself can be considered as a risk faced by the lender, is not an effort? Here is a nice definition of effort by Cambridge dictionary.

At this point, I would suggest you to just admit you made a poor wordings for your proposal introduction as there still lots of pressing matters to be discussed.

Quote from: IDF.Finance on Today at 04:31:06 PM

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.

Read definition of cold staking. Here's a yet another nice one from Binance as well as from Stratis

There are several projects that "reward" their holder for simply holding their tokens in MEW, not necessarily on their native platform. Alongside with these project, there are several exchanges and wallets that offers same benefit; namely members only have to hold token on their wallet. Ironically, it seems that the definition that you offered to us was taken from Coinbase; which also offers same service. In fact, right below the text you quoted, they explain their cold staking procedure.

So, I'll ask again, what's the difference between your project and a staking program?