2. Do not give a loan to anybody whose wallet address shows he/she has not been receiving inflow of funds for the past 120 days:
Umm.... it is actually very common for people to give lenders a brand-new address that is generated by their wallet. Received funds is not a good indicator for trustworthiness because the person who has a lot of funds coming in could just chose to not pay.
You only take a loan if you have an urgent situation to deal with and don't have enough BTC at the moment without buying more.