I never ask and will never ask for a loan on this forum and I don't want that someone will give a potential hacker everything basing on my reputation. Check and recheck is what expected from a lender.
You are good that you can guess about your future but personally I can not tell what is waiting for me in future. But my current situation is good enough that I can tell that I may not need a loan, at the same time I can not tell that I will never need a help from someone else in the future.