I am at a huge loss and most of all the lender is a loser.
If you're only losing money, why are you still lending?
This is the reason I never joined the lending business: it doesn't seem worth the risk.
It seems to me addiction is like gambling. And few people really need funds if all of us stop then those needy people will face a lot of problems that's the main reason for lending. I have no plan to stop lending.
Then I think you need to change the title and make it
Shasan's Charity 😎
This will have benefits like [1.] we will not see anymore scam accusation [2.] you know you are not expecting any return.
The people who need immediate funding they still receive the benefit