That's irrelevant, this is a Bitcoin loan. Don't use shitcoin wallets that force address reuse.
It is true that this is about bitcoin and asking about USDT may be irrelevant to this discussion but I asked for a reason. Shasan is offering loan service not only in bitcoin but also in other coins like USDT. There are people that prefer the loan to be in Stablecoin. What if this thread is about a loan defaulter that borrowed the loan in USDT or any other coin that is not bitcoin in relation to your suggestion.